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Highest spend category
5%
All other purchases
1%The 5% categories could include:
1. Restaurants
2. Gas stations
3. Grocery stores
4. Travel
5. Transit
6. Streaming services
7. Drug stores
8. Home improvement stores
9. Fitness clubs
10. Live entertainment
Automatically get 5% cash back on the first $500 spent in your top eligible spend category
None
0% for 15 months
18.99% to 28.99%
$200 cash back after spending $1,500 on purchases in the first six months of the account opening.
Statement credit, direct deposit, or check.
The Citi Custom CashSM Card is a simple way to earn where you spend most each month. The current sign-up bonus gives you an additional $200 back after spending just $750 in the first three months after account opening. For a card with no annual fee, it sure does pack in a lot of benefits.
Another great part about this card is that you do not have to use it for only cash back. The “cash back” comes in the form of Citi ThankYou Points, which can then be redeemed for cash back as a statement credit, direct deposit, or check. However, you can also use points to travel, shop online, and more.
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.
The biggest perk of this card is that it automatically customizes cash back to your spending habits. Spending can change month to month, so it makes sense for a card to change based on how you change.
The Citi Custom Cash Card would pair very well with the Citi Premier® Card or Citi Prestige Card because you can combine your points.
Apply for: Citi Premier® Card
0% for 15 months on transfers completed within four months after account opening
29.99%
3% of each purchase in U.S. dollars
14.24% to 24.24%
Up to $41
29.99%
670+
You can customize the alerts you receive and automatically get notified about balance levels, payments due, or if you go over your credit limit.
The card is contactless chip enabled, so you just tap it on the reader at checkout.
Make online checkouts easier and more secure with the digital wallet.
You can manage your entire account from the easy to use mobile app.
You can choose when your bill is due to make it easier on your schedule.
Get alerts if there is suspicious activity on information you choose to protect.
You will never be held responsible for unauthorized purchases made on your account.
Check your score at any time with no impact on your score.
Citi is always monitoring your account and will flag suspicious activity and contact you to verify.
If you have misplaced your card, you can block new charges while still allowing recurring charges to go through.
Citi representatives are able to assist you whenever you need.
Get exclusive access to presale tickets and experiences with Citi Entertainment.
If you spend $500 on groceries this month and $300 on everything else, you will get $25 back for groceries and $3 back for your other purchases. As long as you are spending at least $500 in one category every month, you get $25 back guaranteed. This comes out to $300 a year, which is great for a card with no annual fee.
| Pros | Cons |
|---|---|
 No annual fee |  5% back has a low spending cap of $500 |
| Great sign-up bonus at time of writing |
