RedditOverview
Citi Custom Cash® Card, issued by our partner Citibank, is a cash back credit card that rewards you 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. There are no rotating bonus categories to sign up for. Citi Custom Cash Card also offers a $200 sign-up bonus and has no annual fee.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
- Intro APR
- 0% on Purchases and Balance Transfers
- Intro APR Period
- 15 months
- Annual Fee (rates & fees)
- $0
- Credit Needed
- Excellent, Good, Fair
Card Benefits
$200 Cash Back Bonus Offer
With Citi Custom Cash Card, new cardholders can earn a welcome bonus of $200 cash just for using the card to pay for purchases of $1,500 or more in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. Earning the $200 bonus cash is like receiving a 13.3% rebate on your first $1,500 in purchases.
Rewards Program
You will earn cash back rewards everywhere you go. The card pays you 5% cash back for each dollar, up to the first $500, in your highest spending category each billing cycle. After the first $500 spent in that category during the billing cycle, you will earn 1% cash back for each additional dollar you spend. Eligible spending categories include the following: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. For all other purchases, you will earn unlimited 1% cash back for each dollar you spend on purchases. You don’t need to sign up for any rotating bonus rewards categories. As your spending changes each billing cycle, your cash rewards adjusts automatically when you spend in any of the eligible categories.
For example, if you spend $6,000 on purchases that qualify for 5% cash back, and $4,000 on everything else in a year, you will receive $340 cash rewards for the year. You can use our cash back calculator to find out how much cash rewards you may receive.
| Spending Category | Spending | Cash Rewards | Net Spending (after Cash Back) |
|---|---|---|---|
| 5% Cash Back Spending Category | $6,000.00 | $300.00 | $5,700.00 |
| Everything Else | $4,000.00 | $40.00 | $3,960.00 |
| Total | $10,000.00 | $340.00 | $9,660.00 |
0% Interest for 15 Months
Citi Custom Cash Card lets you have 0% interest on purchases and balance transfers for 15 months. After the introductory period, the go-to rate of 19.24% - 29.24% (variable) applies.
With 0% intro APR on purchases, you can charge expensive purchases to the card now and pay off the balance 15 months later. As long as you make minimum payments shown on your credit-card statements every month, you will not need to pay any interest or fees for 15 months.
Furthermore, you can have 0% interest on balance transfers, which allows you to transfer existing balance of other credit cards to your new Citi Custom Cash Card. In this way, you can save money on interest fees by paying off current credit-card balance now and then paying no interest for 15 months on the Citi Custom Cash Card.
Interest and Fees
Citi Custom Cash Card carries no annual fee. You can earn cash back rewards without worrying about paying an annual fee to keep the card.
Required Credit Rating
The Citi Custom Cash Card is for people with excellent, good, or fair credit profile.
Is this the right card for you?
With no annual fee and an easy-to-understand rewards structure, Citi Custom Cash Card is a great payment card that is best for people who want to get more cash back on the things you buy every day. On top of the new account bonus of $200, you can earn up to 5% cash back on the purchases that you make most frequently.
Similar Rewards Credit Cards
If you are interested in Citi Custom Cash Card, you may also consider a few other credit cards with similar benefits.
| Credit Card | Bonus and Rewards | Annual Fee | |
|---|---|---|---|
 | Wells Fargo Active Cash® Card | $0 rates & fees | |
 | Bank of America® Customized Cash Rewards credit card | $0 | |
 | Citi Double Cash® Card | $0 rates & fees | |
 | Bank of America® Unlimited Cash Rewards credit card | $0 | |
 | Citi Rewards+® Card | $0 rates & fees | |
 | Chase Freedom Unlimited® | $0 | |
 | Blue Cash Everyday® Card from American Express | $0 (fees) | |
