Citi Custom Cash

Citi Custom Cash credit card offers convenience, security and financial versatility for your users.

Credit Card

Citi Custom Cash

$200 welcome bonus Flexible redemption options

Financing option in convenient installments.

How to Apply You will remain on the current site

The Citi Custom Cash® Credit Card offers a unique rewards structure that automatically adapts to your spending habits. By providing 5% cashback on your highest eligible spending category each billing cycle (up to $500) and 1% on all other purchases, this card is perfect for users who value tailored rewards without the hassle of managing rotating categories.

Designed for individuals who spend across diverse categories, this card makes earning rewards effortless and rewarding. With no annual fee and a $200 welcome bonus for new cardholders, the Citi Custom Cash® Credit Card delivers exceptional value for everyday use.

Tailored Rewards for Every Month

What sets the Citi Custom Cash® Credit Card apart is its ability to automatically adjust rewards to your spending patterns. Eligible categories include restaurants, gas stations, groceries, travel, streaming services, transit, and more. By focusing on your top spending category, this card ensures you earn maximum rewards where you spend the most.

New cardholders can also enjoy a $200 welcome bonus after spending $1,500 within the first three months of account opening. Additionally, the card includes a 0% introductory APR on purchases and balance transfers for 15 months, offering flexibility for managing expenses or consolidating debt.

Added Flexibility Without Annual Fees

The card’s rewards are issued as ThankYou® Points, which can be redeemed for statement credits, direct deposits, gift cards, or travel bookings. This flexibility allows cardholders to use their rewards in a way that best suits their lifestyle.

With no annual fee, the Citi Custom Cash® Credit Card remains affordable, ensuring that every dollar you earn contributes directly to your savings. It also includes fraud protection and access to Citi’s digital tools for account management, providing security and convenience for users.

Pros and Cons

Pros

• 5% cashback on your top eligible spending category each billing cycle (up to $500).
• $200 welcome bonus after spending $1,500 within the first three months.
• No annual fee, keeping costs low.
• Flexible redemption options for ThankYou® Points.
• Automatically adapts to your spending habits.

Cons

• 5% cashback is capped at $500 per billing cycle.
• Requires good to excellent credit for approval.
• Rewards are limited to specific eligible categories.

How Do I Know If the Citi Custom Cash® Credit Card Is the Best Credit Card for Me?

The Citi Custom Cash® Credit Card is ideal for individuals with varied spending habits who want rewards tailored to their needs. If you spend heavily in one eligible category per month, the 5% cashback can provide significant value.

However, if your spending doesn’t align with the card’s eligible categories or you prefer unlimited cashback, other options may better suit your needs. This card is best for users seeking flexibility and personalized rewards.

Why Do We Like This Card?

We like the Citi Custom Cash® Credit Card for its innovative approach to rewards. By automatically adjusting to your top spending category, it simplifies earning while maximizing value.

The lack of an annual fee and a generous welcome bonus further enhance its appeal, making it a versatile choice for everyday use.