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Enjoy welcome bonuses and unlimited cash back without worrying about an annual fee!

Citi Custom Cash℠ Card, earn cash back on your day-to-day purchases


The Citi Custom Cash℠ Card is the best fit for your needs! Nothing beats getting 5% cash back on everyday expenses. This card covers various spending categories – many of which are not covered by other credit cards – and the best part is that they’re non-rotating. The card will automatically assign the 5% cash back to the first spending category that reaches the $500 cap, and you’ll earn 1% cash back thereafter.


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Check out some of the benefits of using the Citi Custom Cash℠ Card!

5% cash back on purchases in your top eligible spend category each billing cycle;
1% cash back on all other purchases;
$0 annual fee;
Welcome bonus.

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Embrace everyday spending with a rewarding twist with the Citi Custom Cash℠ Card, your go-to financial partner catering to an active lifestyle.

This card turns your daily transactions into opportunities for rewards, making your regular financial activities more exciting and fruitful.

Strengths and Special Offerings

  • Optimized Cash Back: Reap the benefits of a 5% cash back on purchases in your top eligible spend category up to the first $500 spent each billing cycle, then 1%, making every expense more rewarding.
  • Versatile Reward Categories: From restaurants to gas stations, select your category for earning rewards, providing flexibility tailored to your spending habits.
  • Introductory APR Offer: Experience an extended period with a low introductory APR on purchases and balance transfers, easing financial pressure, particularly on big-ticket buys.
  • No Annual Fee: Indulge in the card’s perks without the burden of an annual fee, ensuring your rewards go towards your pleasures, not covering costs.
  • Straightforward Redemption: Simplicity characterizes reward redemption, with straightforward options to receive your cash back, reducing hassle in your busy life.
  • Digital Wallet Compatibility: Embrace modern convenience by linking your card to your favorite digital wallet, streamlining purchases in today’s fast-paced digital world.

Limitations to Consider

  • Cash Back Cap: The 5% cash back is tempting but capped at $500 spend per billing cycle, beyond which the rate drops, limiting high spenders.
  • Foreign Transaction Fees: Travelers beware; international adventures come with extra costs due to the foreign transaction fees, adding to your trip expenses.
  • Penalty APR: Late payments can trigger a penalty APR, skyrocketing your interest rates and potentially upsetting your financial balance.
  • Minimum Redemption Amount: To redeem your cash back, you need to accumulate a minimum amount, causing a delay in enjoying your earned rewards.
  • Limited Transfer Options: Points earned are primarily for cash back, restricting those preferring travel rewards or transferring to loyalty programs.

The Citi Custom Cash℠ Card turns your purchases into opportunities, rewarding your daily hustle with valuable cash back.

However, it demands mindful spending, considering the caps and fees. This card isn’t just a payment method; it’s a personalized gateway to making the most of your money.

The Citi Custom Cash℠ is a Mastercard card that allows cardholders to earn cash rewards for everyday purchases and certain specific types of spending. Cardholders are under no obligation to enroll in rotating bonus categories. Moreover, you’ll be able to get incredible Mastercard benefits as a cardholder!

If you’re, looking for a good credit card with cashback and a low intro APR to save money on purchases and balance transfers, the Citi Custom Cash℠ can be an incredible option for your finances!

Citi Custom Cash℠ card

Apply for the Citi Custom Cash℠ Card

If you're looking for a card with a welcome bonus and cash back rewards, the Citi Custom Cash℠ Card may be what you need. Check out how to apply for it and start earning

If you’re not so sure about getting the Citi Custom Cash℠ Card, we can help by showing you a different option! So, you can try applying for the Capital One Quicksilver Cash Rewards!

With this card, you’ll be able to get incredible cashback options for no annual fee or foreign transaction fees! Therefore, read our post below to learn more and see how to apply!

Capital One Quicksilver Student Cash Rewards Credit Card

Apply for Capital One Quicksilver Cash Rewards

Learn today how to apply for the Capital One Quicksilver Cash Rewards card and enjoy cash back without worrying about annual or foreign transaction fees.

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