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4.3/5.0 from 43 Offer Ratings
Over the Past 60 Days!
Regular Purchase APR
13.99% – 23.99% (Variable)
Intro Purchase APR
0% intro APR for 15 months on purchases
Intro BT APR
0% intro APR for 15 months on balance transfers
Typical Credit Needed
Foreign Transaction Fee
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
$0 Liability on Unauthorized Changes
Auto Rental Insurance
Extended Warranty Program
Flight Accident Insurance
Lost Luggage Reimbursement
The Citi Custom Cash℠ Card has come to the market with one of the more interesting rewards programs we’ve seen in a while. 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. What this means is that unlike some other rewards cards on the market that require you to manually opt-in to special categories each month, this card will automatically apply the highest rate of cash back to your most-used category. That makes the Citi Custom Cash℠ Card a great pick for anyone looking for a low-maintenance card that still offers an incredibly competitive cash back offer. And the sign-up bonus just sweetens the deal with a low spend threshold and a solid return in the form of ThankYou® Points.
This isn’t just a rewards card though: the Citi Custom Cash℠ Card also proves itself as a well-rounded choice with over a year of 0% intro APR on both purchases and balance transfers – and all with no annual fee. In short, this card comes with everything we look for in a wallet mainstay, from a solid rewards program to limited fees to generous periods of no interest.
Between its frankly revolutionary rewards program, great sign-up bonus and a host of other customer-centric features, the Citi Custom Cash℠ Card is a solid choice for anyone with good or excellent credit with few drawbacks.
This card has a suite of rewards tailor-made for folks who are tired of having to constantly opt-in to rewards categories on other cards to maximize their cash back earning potential.
The $500 spend cap on earning the full 5% cash back each billing cycle can be a drawback for those regularly spend a lot in any given category every month.
Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.
4.3 out of 5.0