Citi Custom CashSM Card Review

The signup bonus alone makes this no annual fee card worth it. If you are looking for simplicity, this is the card for you.

Written by : Updated On: August 4

The basics

Reward Rate:


Highest spend category


All other purchases


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

Key Features:

Annual Fee


Intro APR

0% for 15 months

Regular APR

18.99% to 28.99%

Signup Bonus


$200 cash back after spending $1,500 on purchases in the first six months of the account opening.

Redemption ways


Statement credit, direct deposit, or check.

Our Verdict

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.

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.

Hidden perks

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.

Pair this card with:

Citi Premier Card


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

Beyond the basics

Balance Transfer Intro APR

0% for 15 months on transfers completed within four months after account opening

Cash Advance APR


Foreign Transaction fee

3% of each purchase in U.S. dollars

Loan APR

14.24% to 24.24%

Late Payment fee

Up to $41

Penalty APR


Credit Score required


Other Offers

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.

Cashback Example

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.

No annual fee5% back has a low spending cap of $500
Great sign-up bonus at time of writing

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