Citi Custom Cash Card
Automatically earns 5% back in your top eligible spend category each billing cycle — no activation needed.
Why it ranks
- No annual fee
- Adapts to your spending
- 0% intro APR
What holds it back
- $500 monthly 5% cap
- Foreign fee
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Automatically earns 5% back in your top eligible spend category each billing cycle — no activation needed.
Citi Custom Cash Card at a glance
| Issuer | Citi |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Cash bonus after minimum spend |
| Rewards rate | 5% on your highest eligible category each cycle (up to $500), 1% after |
| Intro APR | 0% intro APR for 15 months |
| Regular APR | 18.24%–28.24% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good (690+) |
| Best for | People with one dominant spending category |
| Airport lounge access | No |
Rewards & benefits
- Automatic 5% category
- No quarterly activation
- 0% intro APR
Eligibility & who it suits
- Good credit score
How to apply
Check current rates on Citi’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CCitiCustom CashNo annual fee · US Citi Custom Cash CardPeople with one dominant spending category |
None | 5% on your highest eligible category each cycle (up to $500), 1% after | Cash bonus after minimum spend | 3% | Good (690+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.