Citi Custom Cash

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

Credit Card
Citi Custom Cash
5% cash back No annual
Enjoy personalized
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With 5% cashback on your top spending category each billing cycle (up to $500), this card automatically adjusts to where you spend the most, making it a perfect fit for a variety of budgets and habits.

Whether you’re dining out, filling up at the gas station, or shopping online, the Citi Custom Cash℠ Card ensures you’re earning maximum rewards where it matters most. Add in no annual fee and flexible redemption options, and you’ve got a card that works hard for you.

Let’s take a closer look at why the Citi Custom Cash℠ Credit Card stands out.

Rewards That Work for You

The Citi Custom Cash℠ Credit Card offers 5% cashback on your top spending category each billing cycle, up to $500 in purchases. Eligible categories include restaurants, gas stations, grocery stores, travel, and more, giving you the flexibility to earn rewards wherever your spending naturally occurs.

After hitting the $500 cap, or for purchases outside your top category, you’ll earn unlimited 1% cashback. Your rewards are automatically applied as Citi ThankYou® Points, which can be redeemed for statement credits, travel, gift cards, and more.

With no need to enroll or track bonus categories manually, this card takes the hassle out of maximizing rewards. Plus, with no annual fee, every dollar you earn stays in your pocket.

Pros and Cons

Pros

  • 5% cashback on your top spending category each billing cycle (up to $500).
  • Unlimited 1% cashback on all other purchases.
  • Automatically adjusts to your spending habits—no activation required.
  • No annual fee.

Cons

  • 5% cashback is capped at $500 in purchases per billing cycle.
  • Rewards redemption is tied to Citi ThankYou® Points.
  • High APR for carried balances.

How Do I Know If the Citi Custom Cash℠ Credit Card Is the Best Credit Card for Me?

The Citi Custom Cash℠ Credit Card is perfect for anyone who wants a card that automatically adapts to their spending habits. If your expenses vary month-to-month, this card ensures you’re always earning the maximum rewards possible.

It’s an excellent choice for individuals who want flexibility without the hassle of manually activating categories or tracking spending limits across multiple categories. With no annual fee, it’s a cost-effective way to earn meaningful cashback.

However, if you’re someone who regularly spends beyond the $500 cap in specific categories, you may want to consider other options with higher spending limits or broader rewards programs.

Why Do We Like This Card?

We like the Citi Custom Cash℠ Credit Card because it puts the power in your hands. The automatic adjustment to your top spending category ensures you’re earning where you need it most, without extra effort.

The no-annual-fee policy is a major win, making this card accessible and affordable for anyone. Its flexible redemption options through Citi ThankYou® Points add even more value, allowing you to use rewards for travel, shopping, or everyday expenses.

For those who want a rewards card that fits seamlessly into their financial routine, the Citi Custom Cash℠ Credit Card delivers unmatched convenience and adaptability.

You will remain on this website