Citi Custom Cash Card

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Enjoy the freedom of not having to worry about paying an annual fee while still taking advantage of alluring sign-up incentives and uncapped cash-back benefits.

You have the ability to earn cash back on your regular purchases when you use the Citi Custom CashSM Card.

Citi Custom

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The Citi Custom CashSM Card is the ideal choice for you if you are searching for a credit card that can be personalized to meet your specific requirements. It provides an unrivaled 5% cashback on day-to-day expenditures across a number of spending categories that are sometimes neglected by other credit cards. This card’s cashback does not have rotating categories, which means that when the first spending category reaches the $500 threshold, it will immediately receive the 5% reward, and any following purchases will earn 1% cashback. In contrast, other cards’ cashback may have revolving categories.

  • Every billing cycle, you will be able to earn 5% cashback on purchases made in the category with the highest amount of eligible expenditure.
  • You will receive 1% cashback on all other types of transactions.
  • There is no yearly charge that must be paid.
  • Bonus for signing up early.
  • Which financial institution is the Citi Custom CashSM credit card affiliated with?


The Citi Custom CashSM credit card is issued by Mastercard and enables cardholders to earn cash rewards on both ordinary transactions as well as purchases made in certain categories. It is not necessary to enroll in revolving bonus categories, in contrast to the requirements of some other cards. In addition, if you are a cardholder, you will have access to a variety of amazing Mastercard advantages.

I’m interested in getting the Citi Custom CashSM credit card; is it hard to get?


Because approval for the Citi Custom CashSM Card is so difficult to come by, good credit is required to apply for the card. In order to qualify for the card, you need to have a high monthly income as well as a credit score that is at least 700. In addition, before applying for the card, check to see if you will be able to handle the fees and the annual percentage rate.

Is it a good idea to apply for a credit card with the Citi Custom CashSM brand name?


The Citi Custom CashSM credit card can be a fantastic choice for managing your finances if you are looking for a credit card that provides cashback and a low introductory APR for savings on purchases and balance transfers. If this sounds like something you might be interested in, then keep reading!

If you are on the fence about applying for the Citi Custom CashSM Card, we have another card recommendation for you: the Capital One Quicksilver Cash Rewards card! This card provides exceptional cashback rewards in addition to having no annual cost and no fees for making purchases in foreign countries. Check out the page that follows to get more information and to find out how to apply!
You have the potential to earn unrestricted cash back on all of your purchases when you use the Citi Custom CashSM Card!

If you decide to go with the Citi Custom CashSM Card, you’ll be able to take advantage of both convenient features and valuable rewards! You have the opportunity to earn 5% cashback on eligible purchases made in your top spending category throughout each billing cycle, up to the first $500 spent; after that, you will receive 1% cashback on eligible purchases made.

This credit card is made to cater to your one-of-a-kind spending patterns, so guaranteeing that you will obtain the most lucrative cash rewards possible.

  • Obtaining your very own Citi Custom CashSM Card is the first step in enjoying all of the benefits and privileges that come along with having one.
  • Good to excellent score on one’s credit report.
  • Fee Per Year There is no fee per year.
  • Bonus for signing up


If you open a new account and use it to make purchases totaling $1,500 within the first six months, you will be eligible to get $200 in cashback incentives. This bonus offer will be fulfilled in the form of 20,000 ThankYou® Points, which can be exchanged for a cash reward of $200 at your discretion.

How exactly does one use the Citi Custom CashSM Card?


The Citi Custom CashSM Card’s versatility derives from the fact that its spending categories do not rotate quarterly, which eliminates the requirement that cardholders enroll in new categories every three months.

Instead, the credit card will automatically assess your spending patterns and reward the category in which you do the most of your spending with a 5% cashback reward on each billing cycle, up to the first $500 that you spend, and then a 1% cashback reward after that.

The following are examples of eligible categories:

Grocery stores, gas stations, restaurants, select travel, home improvement stores, select streaming services, pharmacies, select transit, fitness clubs, and live entertainment venues are included in this promotion.


In addition, the Citi Custom CashSM Card gives you the opportunity to earn a cash reward of up to $200 once you make your first $1,500 in purchases during the first six months after you create your account.

This incentive will be awarded in the form of ThankYou® points, and those points can be redeemed for a statement credit, a direct deposit, a check by mail, gift cards, payments toward a student loan or mortgage, or even as a donation to a charity organization.

Along with the opportunity to earn 5% cashback on the first $500 spent in one of the eligible categories and the benefit of enjoying a 0% introductory APR on purchases and balance transfers for the first 15 months (followed by an 18.74% – 28.74% variable APR), convenience is an important feature of the Citi Custom CashSM Card.

However, after you have reached the $500 maximum on one qualifying category (which will earn you $25), you will only receive 1% cashback on eligible categories until the following billing cycle. This applies even if you exceed the limit on more than one eligible category. In addition, the payback rate for any and all transactions done in areas that are not included in the eligible categories is only 1%.