Citi Custom Cash

By Raquel Oliveira • 04/03/2025

Citi Custom Cash is a game-changer for anyone who wants a rewards card that adapts to their lifestyle.

The Citi Custom Cash credit card provides an automatic cashback system, offering 5% rewards in the user’s top spending category each billing cycle. This eliminates the need for manual category selection or tracking spending limits.

Instead of requiring users to opt into rotating categories, the card automatically assigns the highest cashback rate to the category where the most money was spent during that billing cycle. This ensures that users always maximize their rewards.

The 5% cashback applies to up to $500 in purchases per billing cycle. After reaching this cap, additional purchases in that category earn 1% cashback for the rest of the cycle. All other purchases automatically earn 1% cashback.

With this structure, the card simplifies cashback earnings while providing flexibility based on individual spending habits. It is an ideal choice for those seeking rewards without the complexity of tracking and activating categories.

Cashback and benefits on your daily purchases

By regularly using your Citi Custom Cash on your purchases, you can enjoy cashback of 1 to 5% in eligible categories each spending cycle.

When traveling, for example, there is a special offer of 4% cashback on hotel, car and attraction reservations.

Therefore, you will have a true ally, who will help you increase your purchasing power while enjoying the fun your life deserves.

With a welcome bonus, the card is an excellent payment method to use in your daily life and make regular purchases.

Pros and Cons

Pros

• Welcome Bonus
• Cashback up to 5%
• Zero APR for 15 months

Cons

• Cashback limit
• High APR
• Must have excellent credit history

How do I know if Citi Custom Cash is the best credit card for me?

Ideal for those who want to increase their purchasing power, Citi Custom Cash is a card accepted in thousands of establishments and offers customers the possibility of obtaining cashback on different purchase categories.

Therefore, it is a great ally in your payment routine, enabling you to make good purchases. You can use the card in your daily life and also when traveling, as it is a Mastercard card, which is accepted in thousands of establishments.

Additionally, it is useful to know that the card has a good credit limit, which makes it easier to concentrate all expenses in a single payment method.

Therefore, it is worth using the card regularly, in order to ensure that the payment method is a great ally in your financial routine.

Why do we like this card?

The Citi Custom Cash credit card is ideal for individuals who want an automatic cashback rewards system that adjusts to their spending habits without requiring category selection.

It is particularly beneficial for those who prefer a no-annual-fee credit card with strong cashback benefits in everyday spending areas like groceries, dining, travel, and entertainment.

Additionally, it is a great choice for individuals who need short-term financing, as the 0% introductory APR provides interest-free payments on purchases and balance transfers for 15 months.

However, those who frequently travel internationally may find the foreign transaction fees limiting, making alternative travel-focused credit cards more suitable.

Conclusion

The Citi Custom Cash credit card is a valuable option for users looking for an easy and flexible cashback program. Its automatic 5% category-based rewards ensure maximum savings without requiring manual activation.

The lack of an annual fee and the introductory 0% APR period make it a cost-effective choice for everyday spending and financing larger purchases.

While the spending cap on 5% cashback and foreign transaction fees may be drawbacks, its effortless rewards structure and broad eligibility for cashback categories make it a strong contender for those seeking a simple and rewarding credit card.