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The signup bonus alone makes this no annual fee card worth it. If you are looking for simplicity, this is the card for you.
Citi® Custom CashSM
1% - 5%
Highest spend category
5%
All other purchases
1%
Fees and APR
Other features
$200
Statement credit, Direct deposit, Check
Our Verdict
Best Suited for:
The flexible spender 
The cash back earned with the Citi Custom Cash Card can be redeemed for statement credits, gift cards, or checks, giving you flexibility in how you use your rewards. Plus, it is straightforward and doesn't require activating or tracking rotating rewards categories.
| Pros | Cons |
|---|---|
 No annual fee |  5% back has a low spending cap of $500 |
| Great sign-up bonus at time of writing |
Comparing Citi Custom Cash with similar cards
Citi® Custom CashSM
Wells Fargo Autograph®
Discover it® Cash Back
Beyond the basics
| Balance transfer intro APR | 0% for 15 months on transfers completed within four months after account opening |
| Cash advance APR | 29.99% |
| Foreign transaction fees | 3% of each purchase in U.S. dollars |
| Loan APR | 14.24% to 24.24% |
| Late payment fee | up to $41 |
| Penalty APR | 29.99% |
| Credit score required | 670+ |
Other offers
Automatic account alertsYou can customize the alerts you receive and automatically get notified about balance levels, payments due, or if you go over your credit limit.
Contactless paymentThe card is contactless chip enabled, so you just tap it on the reader at checkout.
Digital walletMake online checkouts easier and more secure with the digital wallet.-
Citi mobile appYou can manage your entire account from the easy to use mobile app.
Choose your payment due dateYou can choose when your bill is due to make it easier on your schedule.
ID theft protection programGet alerts if there is suspicious activity on information you choose to protect.-
$0 liability on unauthorized chargesYou will never be held responsible for unauthorized purchases made on your account.
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Free access to FICO scoreCheck your score at any time with no impact on your score.
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Fraud early warningCiti is always monitoring your account and will flag suspicious activity and contact you to verify.
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Citi Quick LockIf you have misplaced your card, you can block new charges while still allowing recurring charges to go through.
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24×7 Customer serviceCiti representatives are able to assist you whenever you need.
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Citi EntertainmentGet exclusive access to presale tickets and experiences with Citi Entertainment.
What we like about this card
The Citi Custom Cash Credit Card stands out for several compelling reasons, making it a noteworthy choice for consumers seeking a versatile and rewarding credit card:
Innovative cash back structure
Designed to cater to the evolving spending habits of individuals, this card doesn't restrict users to fixed categories for cashback rewards; instead, it automatically adjusts to provide the highest cashback percentage based on the cardholder's most frequent spending categories. This adaptability ensures that the card remains relevant and rewarding as the user's spending patterns change over time. The ability to maximize rewards in areas where one naturally spends the most adds a layer of personalization and value that many other cards lack.
Simplicity of rewards system
There are no quarterly activations or complicated redemption processes. Cash back is automatically credited to the account, streamlining the user experience.
Welcome bonus and intro APR offer
The card often comes with a generous sign-up bonus, providing an immediate boost to the cardholder's rewards. Additionally, the introductory 0% APR on purchases and balance transfers for a specified period can be particularly appealing for those looking to make significant purchases or transfer existing balances.
No annual fee
The card's robust rewards program and additional perks come at no extra cost, enhancing its overall appeal.
Drawbacks and considerations
On the other hand, this card does offer some drawbacks for consumers to consider before making a decision:
Limited bonus categories
While the card offers 5% cashback in the user's top spending category, the categories are predefined and may not cover certain niche or specialized expenses, potentially limiting the overall rewards potential for some cardholders.
Variable cashback rates
While the adaptive cashback system is a unique feature, it also means that the cashback rates for different categories can fluctuate. Cardholders might find it challenging to predict and maximize rewards if their spending habits change frequently.
Foreign transaction fees
The card imposes foreign transaction fees, making it less favorable for international travelers.
Annual fee absence impact
While the lack of an annual fee is undoubtedly a positive aspect, it may also mean fewer premium perks and benefits compared to cards with annual fees. Users should weigh the absence of fees against potentially missing out on certain premium features.
How to decide if this card is right for you
Deciding if the Citi Custom Cash Credit Card is the right fit for you involves a thoughtful consideration of your spending habits, preferences, and financial goals. Here are key factors to evaluate:
Analyze your spending patterns
Review your monthly expenses to identify your primary spending categories. The Citi Custom Cash Card is most advantageous when it aligns with your highest spending areas.
Consider category flexibility
Assess whether you prefer a credit card with fixed bonus categories or one that adapts to your changing spending habits. The Citi Custom Cash Card's unique feature of automatically adjusting to your top spending category each billing cycle offers flexibility but may not suit everyone.
Evaluate rewards potential
Estimate the potential cashback earnings based on your typical spending. If your major expenses fall into categories frequently eligible for the 5% cashback, this card can be lucrative. However, if your spending is diverse and doesn't align well with the available categories, you might explore other rewards cards.
International usage
If you frequently travel abroad, consider the foreign transaction fees associated with this card. If international travel is a significant part of your lifestyle, a card with no foreign transaction fees may be more suitable.
Credit score and approval odds
Check your credit score and assess whether it meets the requirements for the Citi Custom Cash Card. This card typically targets individuals with good to excellent credit. If your credit score is lower, you may want to work on improving it or explore cards with more lenient approval criteria.
Annual fee consideration
The Citi Custom Cash Card does not have an annual fee. If you prefer cards without recurring fees, this is a positive aspect. However, weigh this against potential benefits offered by cards with annual fees, such as premium travel perks or enhanced rewards programs.
Found a perfect pair
Methodology
Credello’s credit card reviews aim to provide readers with clear and unbiased information to help them choose the right credit card that aligns with their financial goals and needs. Our methodology emphasizes transparency, disclosure of any potential biases, and regular updates to ensure the information remains relevant and accurate for readers.The methodology used to review the best Wells Fargo Credit Cards relied on a number of factors, with the most prominent of those being:
- Assess the interest rates charged on outstanding balances.
- Evaluate the cost of owning the credit card, including any annual fees.
- Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
- Analyze introductory APR, balance transfer offers, and sign-up bonuses.
- Consider the card’s credit limit and its suitability for different financial needs.
- Review late fees, foreign transaction fees, and other charges.
- Determine the credit score needed to qualify for the card.
- Research the quality and accessibility of customer support.
- Assess security measures such as fraud protection and chip technology.
The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.
FAQs
Choose the Citi Custom Cash Card if you prefer adaptable 5% cashback in your top spending category each billing cycle. Opt for the Citi Double Cash Card for a consistent 2% cashback on all purchases (1% when you buy, 1% when you pay), ideal for those who want simplicity and steady rewards across various spending areas. Consider your spending habits and reward preferences to make the best choice.
The credit limit on the Citi Custom Cash Card can vary widely from person to person. Credit limits are determined by various factors, including your creditworthiness, income, and other financial considerations. When you apply for the card, Citi will assess your credit history and financial situation to determine an appropriate credit limit for you. It’s important to note that credit limits are not publicly disclosed and can only be known after your application is approved.
The Citi Custom Cash Card is designed to provide cashback rewards based on your spending patterns. The card automatically adjusts to offer 5% cashback in your top eligible spending category each billing cycle. Eligible categories may include dining, groceries, gas, travel, and other common expenses. You earn 5% cashback on up to $500 of spending in the selected category each billing cycle. After reaching the $500 limit, and on all other purchases, you earn 1% cashback. Cashback is automatically credited to your account.
At a Glance 
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