The Citi Custom Cash Card

If you want to earn more without adding another thing to your to-do list, the Citi Custom Cash Card is one of the smartest, simplest choices you can make.

CREDIT CARD

Citi Custom Cash

$0 Liability FICO Score

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What if you had a card that was actually smart? A card that paid attention to your life and automatically gave you the best rewards, no questions asked. That’s the simple, brilliant idea behind the Citi Custom Cash Card. It’s not just another piece of plastic; it’s like having a savvy financial partner in your pocket.

Tired of Playing Games with Your Rewards? This Card Does the Work for You.

Meet Your New Favorite Card: It Adapts to Your Life

• It Watches Where You Spend, Then Gives You 5% Back: This is the core of it all. Each month, the card automatically finds your top spending category—whether it was restaurants, gas stations, grocery stores, or even live events—and gives you 5% cash back on the first $500 you spent there. You don’t have to do a thing. It just happens.
• A Warm Welcome with Room to Breathe: Getting started is great, too. You’ll typically get a nice $200 cash back bonus after spending $1,500 in your first 6 months. Even better, it comes with a 0% intro APR for 15 months on both new purchases and balance transfers. That’s a long, peaceful runway to pay off a big item or tackle old debt without interest.
• It Costs Nothing to Keep: All of this effortless earning power comes with a $0 annual fee. It’s all upside.

The “One-Trick Pony” Superpower: Where It Shines (and Where It Doesn’t)

• It Focuses on Your #1 Spot: The card gives you that amazing 5% back on only your top spending category each month (up to $500). Everything else you buy earns a standard 1%. This means it’s a rockstar if you tend to spend a lot in one main area, but less powerful if your spending is spread evenly everywhere.
• It’s a Homebody, Not a World Traveler: This card is perfect for your life in the U.S., but it’s not the one to take on an international trip. It has a 3% foreign transaction fee that would erase your rewards.

Who Will Love This “Set It and Forget It” Approach?

This card is perfect for the busy person who wants great rewards without having to think about them. If your spending is usually focused—maybe one month you spend a lot on groceries, and the next it’s all about gas for a road trip—this card will adapt and reward you beautifully. It’s for anyone who values simplicity and wants a smart tool that delivers real cash back with zero effort.