Citi Custom Cash Card: A Smarter Way to Earn Cash Back

No hoops. No rotating categories. With the Citi Custom Cash Card you earn customized rewards that follow your lifestyle.

The Citi Custom Cash℠ Card redefines what it means to earn rewards. Instead of forcing you to juggle rotating categories or activate quarterly bonuses, this card uses built-in automation to track where you spend the most and rewards you with 5% cash back on that top eligible category each billing cycle — up to $500. Whether your biggest expense is restaurants, gas, groceries, or streaming, Citi identifies it and maximizes your return — with no annual fee and no extra work on your part.

What Sets Citi Apart in a Crowded Credit Card Market?

Citi continues to be a leader among credit card issuers by prioritizing practical innovation. With a long-standing reputation for digital tools and easy account management, Citi also brings intelligent features to the rewards game. The Custom Cash Card reflects that focus — blending flexibility, transparency, and tangible value for users who want a rewards card that’s both adaptive and consistent.

Compare Card Types — Find Your Fit

Fixed-Category Cards

These cards offer great rates on specific areas like groceries or travel but may fall flat if your spending shifts month to month.

Rotating Bonus Cards

You’ll need to track changing categories and activate them quarterly — which can be easy to forget.

Flat-Rate Cards

Offer simplicity with 1.5% to 2% across the board, but you might earn less on your largest monthly expenses.

Citi Custom Cash Card

Stands out by combining flexibility and automation — delivering 5% cash back where it matters most, without manual intervention.

Travel-Focused Cards

Great for globetrotters, but usually come with annual fees and require a travel-heavy lifestyle to be worthwhile.

Citi Custom Cash Card Benefits in Detail

Adaptive 5% Rewards

Get 5% cash back on your top eligible spending category each billing cycle (up to $500). Citi determines it automatically — no effort needed from you.

Unlimited 1% Cash Back on All Other Purchases

Even purchases outside your top category earn 1% back. Every dollar counts, every day.

No Annual Fee

You’ll never pay a yearly fee, maximizing your net value from day one. Ideal for cost-conscious users looking to stretch every benefit.

Intro APR on Purchases and Balance Transfers

Benefit from a 0% intro APR for 15 months on purchases and balance transfers (standard variable APR of 19.24%–29.24% after that). Whether you’re planning a big expense or managing old balances, this gives you time and space.

Built for the Modern Spender

The Citi Custom Cash Card is contactless-enabled, compatible with Apple Pay, Google Pay, and other digital wallets, and fully integrated with Citi’s mobile app. Track transactions, view rewards in real-time, and manage payments securely from anywhere.

Safety and Support from Citi

Enjoy peace of mind with features like $0 fraud liability, EMV chip technology, real-time fraud alerts, and 24/7 customer support. Citi’s global infrastructure means you’re always protected, no matter where you shop.

Quick Specs at a Glance

• Annual Fee: $0
• Rewards: 5% on top eligible spend category (up to $500/month); 1% on all else
• Intro APR: 0% for 15 months on purchases and balance transfers
• Standard APR: 19.24% to 29.24% variable
• Balance Transfer Fee: $5 or 5% (whichever is greater)
• Foreign Transaction Fee: 3%

How to Apply for the Citi Custom Cash Card

To apply, head to the Citi website and locate the Custom Cash Card. The application is straightforward: fill in your personal and financial details including income, housing status, and Social Security number. Citi may provide a prequalification response, followed by a credit pull if you proceed. Approval decisions are often made quickly, and your card can be shipped within days.

How the Citi Custom Cash Card Can Impact Your Credit Score

This card can contribute positively to your credit profile by reporting to all three major credit bureaus. On-time payments, responsible usage, and maintaining low credit utilization can help boost your credit score over time. Whether you’re establishing credit or looking to build it further, this card provides a healthy foundation.