Citi Custom Cash Card
No fee
Citi
Citi Custom Cash Card
4.5
(2,456 reviews)cashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026A unique cashback card that automatically identifies your top eligible spend category each billing cycle and gives you 5% back on up to $500 in that category. Categories include restaurants, gas, grocery, select travel, transit, streaming, drugstores, home improvement, fitness, and live entertainment.
Annual Fee
No annual fee
Purchase APR
19.49% – 29.49%
Rewards
1% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The Citi Custom Cash Card is best suited for established credit users who people who want automatic 5% back in their top spending category. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 5% automatic top category
- No annual fee
- Intro APR
- People who want automatic 5% back in their top spending category
Consider another card if you…
- $500/cycle cap on 5% earning
- 3% foreign transaction fee
- Only one bonus category at a time
Rewards Breakdown
5% on top eligible spend category (up to $500/billing cycle), 1% on everything else
| Category | Rate |
|---|---|
| Top Eligible Category(Auto-selected each billing cycle, up to $500) | 5% |
| Everything else | 1% |
Rewards Distribution
5%
top rate
Top Eligible Category5%83%
Everything else1%17%
Sign-Up Bonus
$200 cash back after spending $1,500 in 6 months
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 19.49% – 29.49% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $30 |
Pros & Cons
5% automatic top category
No annual fee
Intro APR
No category activation needed
$500/cycle cap on 5% earning
3% foreign transaction fee
Only one bonus category at a time
The Bottom Line
The Good: The Citi Custom Cash Card stands out for its 5% automatic top category. The welcome bonus worth $200 adds significant first-year value.
The Not So Good: $500/cycle cap on 5% earning.
Our Verdict: With an editor score of 8/10, the Citi Custom Cash Card is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Citi Custom Cash Card?▾
The Citi Custom Cash Card has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Citi Custom Cash Card?▾
The Citi Custom Cash Card currently offers a sign-up bonus worth approximately $200. $200 cash back after spending $1,500 in 6 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Citi Custom Cash Card?▾
The Citi Custom Cash Card earns 1% on all purchases, and up to 5% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Citi Custom Cash Card?▾
The Citi Custom Cash Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Citi Custom Cash Card charge a foreign transaction fee?▾
Yes, the Citi Custom Cash Card charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the Citi Custom Cash Card?▾
The Citi Custom Cash Card has a variable purchase APR of 19.49% – 29.49%, with a 0% intro APR for the first 15 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Citi Custom Cash Card best for?▾
The Citi Custom Cash Card is best for People who want automatic 5% back in their top spending category. A key advantage: 5% automatic top category.
Customer Reviews
4.5
2,456 reviews
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