The Citi Custom Cash

Earn 5% cash back automatically in your top spending category each billing cycle — with no annual fee.

CREDIT CARD

Citi Custom Cash

Earn 5% cash back 0% Intro APR

SEE HOW TO APPLY You will remain on the current site

A Fresh Take on Flexibility and Simplicity

The Citi Custom Cash Card redefines what it means to earn rewards. Instead of asking you to adapt to preset categories, this card adapts to you. 

Each month, your top spending category qualifies for 5% cash back — no need to sign up or guess where you’ll get the best return. From grocery shopping and filling up at the pump to dinner with friends or your favorite fitness classes, the rewards follow your lifestyle.

On top of that, new cardholders are welcomed with a $200 cash bonus after spending $1,500 within the first 6 months — a moderate target that suits everyday spenders. Plus, enjoy an introductory 0% APR for 15 months on both purchases and balance transfers.

How the Rewards Engine Works

This card simplifies earning:

• Get 5% cash back on the eligible category where you spend the most each billing cycle — up to $500 in purchases, then 1% after that.
• 1% cash back on all other purchases, with no cap.
• Rewards don’t expire and are easy to redeem as statement credits, direct deposits, or even gift cards.

Each month, the card automatically identifies the eligible category where you’ve spent the most, so there’s no need to track spending types or enroll in rotating bonus categories.

Qualifying 5% categories include: grocery stores, gas stations, restaurants, certain streaming platforms, drugstores, fitness centers, select travel and transit services, home improvement retailers, and live entertainment venues.

Comparative Glance: How It Stacks Up

This table makes it clear: Citi’s offering is tailor-made for users who want predictable and personalized rewards, without the need to monitor rotating categories.

Who Will Benefit the Most?

The Citi Custom Cash Card is ideal for individuals who:

• Tend to spend consistently in one or two core categories like groceries or gas.
• Don’t want the hassle of enrolling in rotating rewards calendars.
• Prefer an uncomplicated, no-annual-fee structure.
• Want to boost their everyday spending without switching between multiple cards.

If your monthly expenses often concentrate on things like dining out or weekly grocery hauls, this card automatically adjusts to capture maximum return—no micromanagement needed.

Is There Real Value?

Absolutely. With a 5% cash back cap of $500 per billing cycle, you can earn up to $25 per month, or $300 annually, just by doing what you already do. Add the $200 welcome bonus and you’re looking at $500 in potential value during the first year—without paying any annual fee.

Since the rewards are applied automatically to your top category, it’s an excellent “set-it-and-forget-it” card that rewards consistency without demanding effort.

Final Thoughts: Should You Apply?

The Citi Custom Cash Card stands out in a sea of cookie-cutter cash back cards. It adapts to your real-world habits and delivers top-tier rewards in areas where most people spend naturally—restaurants, groceries, gas, or even streaming services.

Its lack of an annual fee, combined with the effortless way it awards the highest return every month, makes it a powerful tool for smart consumers who want personalized perks with zero fuss.

Curious about how to stretch your rewards even further? In Page 2, we’ll explore advanced tips, insider strategies, overlooked benefits, and how to pair this card with others to boost total return.