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The Citi Custom Cash® Card offers personalized rewards based on your spending habits.
If you are looking for a flexible credit card that adapts to your spending habits, the Citi Custom Cash® Card has a unique proposal for personalized rewards.
This card stands out by offering 5% cashback on your highest spending category every billing cycle, without the need to manually activate bonus categories.
With an automated rewards structure, this card offers convenience and efficiency for those with a dynamic lifestyle.
Want to learn more about how Citi Custom Cash® can fit your needs? Keep reading to find out all the details.
Citi Custom Cash
5% cashback Requires good creditHow does the Citi Custom Mastercard work?
Citi Custom Cash® works like this: with each billing cycle, it automatically identifies your highest spending category and applies a cashback of 5% up to $500 in this category.
This includes options such as supermarkets, restaurants, pharmacies, gyms, among others. After reaching the $500 threshold, all other purchases earn unlimited 1% cashback.
The big difference with this card is the absence of rotating categories that require activation.
With it, you simply spend and let the system automatically choose where you will earn more.
Main benefits of Citi Custom Mastercard Cash
One of the key benefits of the Citi Custom Cash® Card is its ability to automatically adapt to your lifestyle.
By offering 5% cashback on categories like supermarkets, restaurants and streaming services, it ensures you maximize your rewards on frequent and essential purchases.
Another benefit is the welcome bonus: $200 em cashback, which are awarded as 20,000 ThankYou® points after you spend $1,500 in the first six months.
And until June 30, 2026, you also get 4% additional cashback on hotels, car rentals and attractions booked on the Cititravel℠ portal, an ideal offer for those who like to travel.
The card also offers an experience with no annual fees, making it accessible to different consumer profiles.
There’s no doubt that Citi credit cards offer a combination of convenience, protection and exclusive features to make everyday life easier for users.
Also among the main benefits are contactless payment, digital wallets for safe and agile purchases, and the flexibility to choose the payment due date.
With these tools, the card adapts to your needs and helps you maintain financial control in a practical way.
Security is also a highlight, with programs such as Mastercard Identity Theft Protection and Fraud Early Alert, which monitor suspicious activity and ensure peace of mind.
Additionally, customers enjoy a $0 liability policy for unauthorized charges and Citi Quick Lock, which allows you to temporarily block the card in case of loss.
Finally, Citi cards offer easy financial management through free access to FICO® Score, automatic account alerts and the Citi Mobile® App, that allows total control virtually.
And to top it off, the Citi Entertainment® program provides access to exclusive experiences, making the card an excellent choice for those looking for practicality, security and unique benefits.
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Cons of Citi Custom Mastercard
One of the biggest drawbacks of this card is the limit from $500 to 5% cashback rate.
For consumers who spend more in eligible categories, this cap may limit potential earnings, especially on higher-value purchases.
Another negative point is the 1% cashback outside bonus categories.
While other cards offer more competitive cashback rates on general purchases, Citi Custom Cash® may not be the best choice for those looking to maximize rewards on every transaction.
Additionally, the card charges a 3% foreign transaction fee, which can make it less attractive to those who travel internationally or shop on foreign websites.
And if you plan to use the card abroad, you might want to consider other options that don’t cover these fees or that offer more competitive rewards for global purchases.
APR and Fees
One of the strengths of Citi Custom Cash® is its 0% APR introductory period, valid for 15 months on purchases and balance transfers.
After this period, the Variable APR ranges from 18.24% to 28.24%, depending on your credit.
A balance transfer, for example, includes a fee of $5 or 5% of the amount transferred, whichever is greater. This must be taken into account when planning the use of this functionality.
Additionally, there is a 3% foreign transaction fee, which can be a hindrance for those who make frequent purchases abroad.
Fortunately, Citi Custom Cash® does not charge annual fee, making it an affordable option for many consumers.
How to apply for the Citi Custom Cash
To get started, visit the official Citi website and access the card page. Click “Apply now” to begin the online registration process.
Fill in the form with personal information such as full name, address, annual income and contact details.
During application, the bank will perform a credit analysis to determine your eligibility.
After submitting your request, you can receive a response within minutes. If approved, the card will be sent to your registered address within 7-10 business days.
