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Regular APR

13.99% – 23.99% Variable

Credit Score

Good to Excellent

Featured Reward

$200 in cash back, fulfilled as 20,000 ThankYou® Points, after you spend $750 on purchases in the first 3 months of account opening

Intro APR

0% intro APR for 15 months

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • Flexibility to customize rewards by earning 5x points on up to $500 per billing cycle in your top spending category (from a list)
    • Generous welcome offer for a no-annual-fee card
    • No rotating bonus categories to sign up for or track
    • Earn valuable Citi ThankYou points which you can redeem for cash back, travel, gift cards, merchandise, and more
    Cons
    • Only earns 1% back outside of $500 in top spending category each billing cycle
    • Foreign transaction fee of 3%
    • Earn $200 in cash back after you spend $750 on purchases in the first 3 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 13.99% – 23.99%, 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.
    • 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.

    Read Our Review
    Read Our Review A looong arrow, pointing right

    Review: Is the Citi Custom Cash the best credit card for you?

    There are lots of excellent cash-back credit cards on the market, and they all earn rewards in slightly different ways. Some cards earn a flat rate of cash back on all purchases or extra rewards in fixed categories, and others have rotating bonus categories that change every quarter.

    The  Citi Custom Cash℠ Card takes a different approach. Cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%), and 1% on all other purchases.

    The categories that qualify include common expenses that should appeal to just about everyone: restaurants, gas stations, grocery stores, select travel, select transit, select


    streaming

    services, drugstores, home improvement stores, fitness clubs, and live entertainment.

    Read more: The Citi Custom Cash credit card just launched with a $200 bonus and 5% back in your top spending category

    For a card with no annual fee, the Citi Custom Cash℠ Card offers a generous welcome bonus: $200 in cash back, fulfilled as 20,000 ThankYou® Points, after you spend $750 on purchases in the first 3 months of account opening. Because the card earns cash back in the form of Citi ThankYou points, you’ve got flexibility in how you redeem your rewards. Not only can you redeem Citi ThankYou points for cash back, but also for travel booked through Citi, gift cards, merchandise, and — if you also have the Citi Premier® Card or Citi Prestige® Card
    (no longer available to new applicants) — transfers to Citi’s airline partners.

    The Citi Custom Cash℠ Card is a good choice if you don’t want to keep track of rotating bonus categories, especially if your highest spending category changes from month to month. It’s also worth considering if you already have a lot of rewards credit cards, but are looking for another card to use on purchases — like home improvement stores or fitness clubs — that don’t typically earn a bonus with other cards.

    If you’re in the market for a 5% cash back card, there are two other cards that are worth a look. The Discover it® Cash Back earns 5% cash back in categories that rotate every quarter, on up to $1,500 in spending (then 1%) (from January 1 to March 31, 2022, you can earn 5% cash back at Grocery Stores (excluding Walmart and Target) and Fitness Club & Gym Memberships on up to $1,500 in purchases after enrollment, then 1%).

    The Chase Freedom Flex℠ has a similar earning structure, but Chase’s rotating bonus categories are different.

    However, with the Chase Freedom Flex℠ and Discover it® Cash Back, you’ll need to keep track of these categories, and also register for the bonus before you earn bonus cash back. If that sounds like too much of a hassle, the Citi Custom Cash℠ Card is a better choice for you.

    Comparison: Citi Custom Cash vs other Citi cards

    *eligible 5% cash back categories on the Citi Custom Cash℠ Card are restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment

    Comparison: Citi Custom Cash vs other cash-back credit cards

    *eligible 5% cash back categories on the Citi Custom Cash℠ Card are restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment

    How to earn rewards from the Citi Custom Cash card

    The Citi Custom Cash℠ Card’s most compelling feature is the 5% cash back (5x Citi ThankYou points) it earns on up to $500 in purchases each billing cycle, in the eligible category where you spend the most (then 1%).

    That’s a good deal if you tend to change your spending habits from month to month. For example, one month you might do a lot of driving and have high fuel expenses, but the next you may stay closer to home and spend more on groceries. 

    In travel, transit, and streaming services categories, only certain types of purchases or merchants are eligible, but most typical spending is included:

    • Select travel includes airline, hotel, cruise line, and travel agency purchases — however, timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies are excluded
    • Select transit includes categories you might normally lump in with travel — car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals are all eligible (bike/scooter rentals, auto clubs and insurance companies are not)
    • Select streaming services span all of the major players, including Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal

    If you don’t have any other cards that earn a bonus in any of these categories, using the Citi Custom Cash℠ Card for your regular spending and earning 5x rewards in your top monthly category is the easiest approach. But if you have other cards in your wallet, you can use the Citi Custom Cash℠ Card in categories where you might not otherwise earn a bonus.

    Read more: The best travel rewards credit cards

    How to use rewards

    The Citi Custom Cash℠ Card doesn’t earn pure cash back in the traditional sense; instead, cardholders earn rewards in the form of Citi ThankYou points. This is the same rewards currency earned by other Citi credit cards, including the Citi Premier® Card, Citi Prestige® Card, and Citi Rewards+® Card
    .

    You can also earn Citi ThankYou points indirectly with the Citi® Double Cash Card, which allows you to convert cash-back rewards into Citi ThankYou points at a rate of 1 cent to 1 point.

    Read more: How to earn, redeem, and maximize Citi ThankYou points

    Citi ThankYou points are incredibly versatile. With any Citi ThankYou card, you can redeem your points at a rate of 1 cent apiece in a number of ways:

    • Statement credits
    • Cash back in the form of a direct deposit
    • Airfare, hotels, car rentals, and more through the Citi ThankYou travel portal
    • Gift cards
    • Mortgage or student loan payments
    • Charity donations

    You can also cash in points for merchandise by using them to pay at checkout with Amazon or PayPal, but you’ll get a relatively poor rate of just 0.8 cents per point when you redeem this way. A better bet would be to use your Citi Custom Cash℠ Card (or other Citi card) to make these purchases directly, then redeem points at 1 cent apiece for a statement credit to offset the charge.

    Things get more lucrative if you also have the Citi Premier® Card or Citi Prestige® Card, because when you have one of these cards, you can access the full range of Citi transfer partners:

    Transferring points to partners to book award flights can get you a much higher value from your Citi ThankYou points, depending on the transfer partner and flight or route you book.

    Citi Custom Cash card benefits and features

    As you might expect from a no-annual-fee card, the Citi Custom Cash℠ Card isn’t packed with benefits, but its rewards system makes up for the lack of flashy perks.

    Introductory 0% APR on purchases and balance transfers

    If you have some big purchases coming up that you need to pay for over time, or already have credit card debt you want to consolidate, the Citi Custom Cash℠ Card could give you some breathing room. New cardholders receive a 0% APR on purchases and balance transfers for the first 15 months (then a 13.99% – 23.99% Variable APR).

    Read more: Using a 0% APR credit card can save you money on interest, but be sure to avoid these pitfalls that could hurt you in the long run

    As long as you’re able to pay off your balance before the introductory APR expires, using a 0% APR credit card can help you save money on interest or get out of debt faster.

    Citi Entertainment

    Citi Custom Cash℠ Card members get access to the Citi Entertainment program, which offers presale tickets, preferred seats, VIP events, and more.

    Regular APR

    13.99% – 23.99% Variable

    Credit Score

    Good to Excellent

    Featured Reward

    $200 in cash back, fulfilled as 20,000 ThankYou® Points, after you spend $750 on purchases in the first 3 months of account opening

    Intro APR

    0% intro APR for 15 months

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • Flexibility to customize rewards by earning 5x points on up to $500 per billing cycle in your top spending category (from a list)
    • Generous welcome offer for a no-annual-fee card
    • No rotating bonus categories to sign up for or track
    • Earn valuable Citi ThankYou points which you can redeem for cash back, travel, gift cards, merchandise, and more
    Cons
    • Only earns 1% back outside of $500 in top spending category each billing cycle
    • Foreign transaction fee of 3%
    • Earn $200 in cash back after you spend $750 on purchases in the first 3 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 13.99% – 23.99%, 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.
    • 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.

    Read Our Review
    Read Our Review A looong arrow, pointing right

    Citi Custom Cash card fees and costs

    The Citi Custom Cash℠ Card doesn’t charge an annual fee, but there are other fees to be aware of. It’s not a good card for international purchases, because it charges foreign transaction fees (3%).

    Read more: The best credit cards with no foreign transaction fees

    Like other cards, the Citi Custom Cash℠ Card also charges fees for balance transfers, cash advances, and late payments. 

    Citi Custom Cash card — Frequently Asked Questions (FAQ)

    How hard is it to get approved for the Citi Custom Cash card?

    Most people who are approved for the Citi Custom Cash℠ Card have a credit score in the good to excellent range. This means a FICO score of at least 670, or a VantageScore of at least 700.

    Read more: What is a good credit score? It depends whether you’re asking VantageScore or FICO

    If you’re not quite where you need to be yet, read our guides on improving your credit score and how using credit cards can help boost your score.

    Is the Citi Custom Cash worth it?

    The Citi Custom Cash℠ Card is a great choice if you prefer a card with no annual fee that earns a high rewards rate in categories where you spend the most. It’s particularly valuable if you have other Citi cards, like the Citi Premier® Card, that allow you to transfer rewards to airline and hotel partners.

    In fact, the Citi Custom Cash℠ Card is one-third of the Citi Trifecta — a trio of cards that maximize your rewards earning by offering 2x to 5x points on every purchase you make. 

    Is the Citi Custom Cash metal?

    The Citi Custom Cash℠ Card is not a metal card — it’s made of plastic, like most no-annual-fee cards.

    Is the Citi Custom Cash a Visa or Mastercard?

    The Citi Custom Cash℠ Card is a Mastercard.

    Who is eligible for the Citi Custom Cash card?

    You’re eligible to earn the bonus on the Citi Custom Cash℠ Card if you don’t already have one open and haven’t earned a welcome bonus from the card in the past 48 months. 

    Featured credit cards from our partners

    Featured Reward

    60,000 points

    Credit Needed

    Good to Excellent

    Featured Reward

    3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

    Credit Needed

    Good to Excellent

    Featured Reward

    1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

    Credit Needed

    Good to Excellent

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