Citi Custom Cash® Card
Citi Custom Cash® Card
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Citi Custom Cash® CardSee Rates & Fees
Partner Offer

Citi Custom Cash® Card

Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at Citi's secure site
Intro Bonus
$200Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Reward Rates
5%Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
4%Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
1%Earn unlimited 1% cash back on all other purchases.
Balance Transfers Intro APR
0% for 15 months on balance transfers
Purchases Intro APR
0% for 15 months on purchases
Regular APR
18.74% - 28.74% (Variable)
Annual Fee
$0

Highlights

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

Features

  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer
  • Cash Back
    Cash Back
  • Dining
    Dining
  • EMV
    EMV
  • Excellent Credit
    Excellent Credit
  • Gas
    Gas
  • Good Credit
    Good Credit
  • Hotel
    Hotel
  • Low Interest
    Low Interest
  • No Annual Fee
    No Annual Fee
  • Rewards
    Rewards
  • Travel
    Travel

Staff Review

Editor's Rating:

4.5 out of 5

Our take:It offers terrific value to low-maintenance cardholders and rewards experts alike since it automatically rewards your top spending category each billing cycle. Just be sure you aren’t missing out on accelerated rewards in your second- and third-highest categories.See Rates and Fees

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.