The Citi Custom Cash Card is not your average cashback card — it’s a smarter, more responsive option for consumers who want meaningful rewards without micromanaging categories. With automatic 5% cash back in your highest eligible spending category each billing cycle, this card matches your lifestyle seamlessly, whether your biggest expense this month is groceries, gas, or takeout. There’s no annual fee, no activation hoops, and no wasted rewards.
Citi vs. the Crowd: What Makes It Different
While many cards offer 5% back on fixed or rotating categories, few do it with the hands-off convenience of the Citi Custom Cash℠ Card. Backed by Citibank’s trusted brand, this card was designed for the modern spender who wants adaptability and simplicity. You won’t need to pre-select categories or worry about limited-time offers — the card’s algorithm identifies where you’re spending most and rewards you accordingly.
How It Compares to Other Card Types
Traditional Cashback Cards
Offer fixed-rate rewards or require quarterly activations. The Citi Custom Cash℠ Card’s flexibility sets it apart, tailoring rewards without the hassle.
Travel Cards
Useful for jet-setters, but often come with annual fees or confusing redemption systems. Citi’s card keeps it simple: earn cash, use it your way.
Balance Transfer Cards
Focused on paying off debt. The Citi Custom Cash℠ Card doubles as a balance transfer option thanks to its 0% intro APR for 15 months.
Student or Starter Cards
Good for credit building, but limited in rewards. This card is a step up for users ready for more robust benefits.
Secured Cards
Require deposits and often lack strong rewards. The Citi Custom Cash℠ Card is unsecured and built for consumers with good credit and evolving needs.
Why the Citi Custom Cash Card Stands Out
Earn 5% Cash Back Where It Counts Most
Each billing cycle, your top eligible spending category earns 5% cash back automatically, up to $500. Categories include restaurants, groceries, gas, travel, fitness clubs, drugstores, and more. No need to enroll or track changes — Citi handles it all.
1% Cash Back on Everything Else
Even outside your top category, you’ll earn 1% unlimited cash back on all other purchases, from online shopping to streaming services and beyond.
Zero Annual Fee
Why pay to earn rewards? With this card, you’ll enjoy top-tier cashback perks with no annual fee ever.
Intro 0% APR Period
Benefit from a 0% intro APR for 15 months on purchases and balance transfers (variable APR after that: 19.24%–29.24%). It’s a helpful option for large expenses or transferring debt without interest stacking up.
Digital Support and Modern Convenience
Manage your account from anywhere using Citi’s secure mobile app. View transactions, redeem cash back, monitor your FICO® score, and set up alerts. The card supports tap-to-pay, plus mobile wallets like Apple Pay®, Google Pay™, and Samsung Pay™ for fast, contactless checkout.
Peace of Mind with Enhanced Security
The card comes equipped with EMV chip technology, real-time fraud alerts, and Citi’s Zero Liability policy — meaning you won’t be on the hook for unauthorized charges. Citi’s team actively monitors suspicious activity, providing you with added confidence every time you swipe.
Key Terms at a Glance
- Intro APR: 0% on purchases and balance transfers for 15 months
- Standard APR: 19.24%–29.24% variable
- Balance Transfer Fee: $5 or 5% of each transfer, whichever is greater
- Annual Fee: $0
- Foreign Transaction Fee: 3%
How to Apply for the Citi Custom Cash Card
Ready to earn cashback without the micromanagement? Visit Citi’s official website to start your application. You’ll be asked for basic details like income, employment, and housing status. The online application process is fast and secure, and many applicants receive an instant decision. Once approved, you’ll receive your card by mail and can begin earning personalized rewards from day one.
Credit That Works for You, Not the Other Way Around
The Citi Custom Cash Card takes the guesswork out of maximizing rewards. If your spending habits evolve, so does your cashback — all without lifting a finger.
