Citi Custom Cash automatically earns 5% cash back in your top eligible spending category.
Citi Custom Cash
5% cashback $0 ANNUAL FEEThe Citi Custom Cash makes earning rewards easier by automatically identifying your highest eligible spending category during each billing cycle.
Cardholders earn 5% cash back on up to $500 spent in their top eligible category each billing cycle, then 1% after reaching that limit.
All other purchases earn unlimited 1% cash back, eliminating the need to activate rotating categories or predict where you will spend most.
New cardholders can also earn $200 cash back after spending $1,500 on purchases within the first six months of account opening.
Benefits
The main advantage is automatic 5% cash back in your highest eligible spending category, covering up to $500 in purchases during each billing cycle.
Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
The card also offers 0% introductory APR for 15 months on purchases and balance transfers, providing additional flexibility for qualifying new cardholders.
With no annual fee, cardholders can earn rewards without worrying about recovering a yearly cost before seeing real value from their cash back.
Who Is the Citi Custom Cash For?
The Citi Custom Cash is particularly attractive for consumers whose spending priorities change frequently and who do not want to manage rotating reward categories.
It can also work strategically for people who consistently spend up to $500 monthly in one eligible category, maximizing the card’s strongest cash-back rate.
Consumers seeking a welcome offer can benefit from the $200 bonus, although reaching it requires $1,500 in qualifying purchases during the first six months.
However, heavy spenders may find the $500 monthly cap restrictive and could benefit from combining this card with another rewards card.
Pros and Cons
Pros
- 5% cash back on your top eligible category
- Automatic category selection every billing cycle
- $200 cash-back welcome offer
- $0 annual fee
- 0% introductory APR for 15 months
Cons
- 5% rate limited to $500 in eligible spending per billing cycle
- Other purchases earn only 1% cash back
- Bonus categories are limited to Citi’s eligible category list
Why Do We Like the Citi Custom Cash?
We like the Citi Custom Cash because it removes one of the biggest inconveniences of category-based rewards cards: manually selecting or activating bonus categories.
The automatic 5% category can adapt as spending changes, making the card useful for groceries one month, restaurants another month, or other eligible expenses.
Its $0 annual fee and $200 welcome offer add value without making the rewards structure unnecessarily complicated for everyday cardholders.
For consumers who can maximize the $500 spending cap, the Citi Custom Cash provides a smart balance between strong cash back, flexibility, and simplicity.
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