Citi Custom Cash

The Citi Custom Cash Credit Card offers a unique and flexible rewards structure that adapts to your spending habits.

Credit Card

Citi Custom Cash

No Annual Fee Foreign Transaction Fees

Automatic Adjustments to Spending Categories

How to Apply You will remain on the current site

This makes it an ideal option for individuals who want a versatile and easy way to earn rewards without keeping track of rotating categories.

The Best Credit Card for Personalized Cashback

The Citi Custom Cash Credit Card is perfect for those who want to earn high cashback on their most frequent purchases. 

In addition, you’ll earn 1% cashback on all other purchases, ensuring that every dollar spent contributes to your rewards balance. 

With no annual fee, this card delivers convenience and flexibility for everyday purchases.

Pros and Cons

Pros

• 5% Cashback on Your Top Eligible Category (Up to $500 per Month)
• 1% Cashback on All Other Purchases
• No Annual Fee
• Automatic Adjustments to Spending Categories

Cons

• 5% Cashback Limited to $500 per Month in the Top Category
• Foreign Transaction Fees
• Requires Good to Excellent Credit for Approval

How Do I Know if the Citi Custom Cash Credit Card Is the Best Card for Me?

The Citi Custom Cash Credit Card is a great fit for those who want to earn high rewards in a specific category each month without the hassle of rotating categories or activation requirements. 

If your spending habits consistently focus on one or two categories—such as dining, groceries, or gas—this card provides an excellent way to maximize your cashback. 

However, if your spending is more evenly distributed across categories, the Citi Custom Cash might not provide the same level of rewards as some other cards with flat-rate cashback. 

Why Do We Like This Card?

We like the Citi Custom Cash Credit Card because it offers a highly flexible and user-friendly rewards structure that adjusts to your spending habits each month. 

The automatic 5% cashback on your top eligible category makes it easy to earn the most on what you already spend the most on, without any effort on your part. 

Plus, the 1% cashback on all other purchases ensures you’re always earning rewards, no matter what you’re buying. 

The card’s lack of an annual fee and its easy-to-understand reward system make it an attractive option for those who want a tailored cashback experience. 

Whether you’re spending on dining, groceries, or any other category, the Citi Custom Cash Credit Card helps you earn more on what matters most to you.