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Citi Custom Cash® Card
BEST FOR: Our pick for low-maintenance earning
Citi Custom Cash® Card Review
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 with few drawbacks.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
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Citi Custom Cash® Card
SIGN-UP BONUS
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.
REWARDS RATE
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.
Sign-Up Bonus
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.
Rewards Rate
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.
Intro APR
0% intro APR for 15 months on Purchases and balance transfers, then 18.49% - 28.49% (Variable)
Annual Fee
$0
Card Brand
Mastercard®
Recommended Credit Score
Good / ExcellentHighlights
- 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 18.49% - 28.49%, 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.
Additional Info
Foreign Transaction Fee
3%
Balance Transfer Fee
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for low-maintenance earning
From the LendingTree editorial team, updated on Nov 14, 2024
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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
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.
The Good
- 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 Not So Good
- The spend cap on earning the full cash back rate each billing cycle can be a drawback for those regularly spend a lot in any given category every month.
The Bottom Line
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 with few drawbacks.
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.
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How LendingTree Gets Paid
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Apply Now
on Bank of America's secure site
Intro APR
0% Intro APR for 15 billing cycles on purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.74% - 28.74% Variable APR on purchases and balance transfers will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Sign-Up Bonus
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards Rate
3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
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Apply Now
on American Express's secure site
Streaming Benefits
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards Rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.
See Our Review
Apply Now
on American Express's secure site
Buy Now, Pay Later Intro Offer
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Rewards Rate
Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
Intro APR
0% on purchases for 12 months from the date of account opening, then 18.49%-29.49% Variable
See Our Review