The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

If you are looking for convenience combined with high rewards, the Citi Custom Cash℠ Card is an excellent pick! Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back thereafter.

The Citi Custom Cash℠ Card adapts to your spending habits and offers the best possible cash rewards, so you can get your own Citi card to enjoy all its benefits and perks.

The adaptability of the Citi Custom Cash℠ stems from its non-rotating spending categories.

This means it does not require you to enroll in a new category every quarter but can also assess which categories you have been spending more and automatically assign your highest spend category with the 5% cash back on each billing cycle (up to the first $500 spent, 1% cash back thereafter).

Eligible categories include:

The Citi Custom Cash℠ Card also offers a $200 cash back on the first $1,500 you spend in the first 6 months of opening your account.

You will receive it in the form of ThankYou® points and may be redeemed as a statement credit, direct deposit, a check in the mail, gift cards, student loan or mortgage payments, or even donating to charity.

As we mentioned earlier, convenience is one of the most relevant features of the Citi Custom Cash℠ Card, along with the 5% cash back on the first $500 spent on one of the eligible categories and 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.

However, once you hit the $500 cap on one eligible category (which will earn you $25), you will only get 1% cash back until the next billing cycle, even on eligible categories. Besides that, all purchases outside the eligible categories will earn you only 1% cash back.

Here’s a quick list of pros and cons for the Citi Custom Cash℠:

Applicants for the Citi Custom Cash℠ will need an Excellent, Good, or Fair credit score to qualify.

You can apply for the Citi Custom Cash℠ directly on Citi’s website. You will be required to fill out a registration form with information such as your name, address, income, and social security number so that the platform can run a credit analysis and set your initial credit limit. 

For more info about the application process, check out our article below!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.