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

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.

Comparing Citi Custom Cash with similar cards

Citi® Custom CashSM

Apply now with Citilock-icon
Reward rate1% - 5%
Reward detailsEarn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter, 1% cash back on all other purchases.
Intro Bonus:$200 Annual fee$0
Regular APR18.24% - 28.24%
Read full review

Wells Fargo Autograph®

Apply now with Wells Fargolock-icon
Reward rate1x - 3x
Reward detailsEarn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on all other purchases
Intro Bonus:30,000 Points Annual fee$0
Regular APR20.24% - 29.99%
Read full review

Discover it® Cash Back

Apply now with Discoverlock-icon
Reward rate1% - 5%
Reward detailsEarn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations, up to the quarterly maximum when you activate. Earn 1% cash back on all other purchases automatically.
Intro Bonus:Equal to the cashback you earn in first year Annual fee$0
Regular APR16.49% - 27.49%
Read full review

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.
  • Free access to FICO scoreCheck your score at any time with no impact on your score.
  • Fraud early warningCiti is always monitoring your account and will flag suspicious activity and contact you to verify.
  • Citi Quick LockIf you have misplaced your card, you can block new charges while still allowing recurring charges to go through.
  • 24×7 Customer serviceCiti representatives are able to assist you whenever you need.
  • 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

Pair your Citi Custom Cash with Citi Premier

Citi Premier Card

Apply now with Citi

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 now with Citi


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.

Why Credello?
At Credello, transparency and objectivity are the cornerstones of our credit card reviews. We believe in empowering you to make informed financial decisions, free from any bias or influence from credit card issuers. We go beyond the surface, dissecting each card's features and rewards programs through the lens of your spending habits and financial goals. Whether you're a travel enthusiast, a cashback seeker, or a credit-building novice, we tailor our reviews to resonate with your unique needs.


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.

In this article