Citi Custom Cash Card Review
Citi · People who want automatic 5% back in their top spending category
4.5 / 5 (2456 reviews)
Annual Fee
No annual fee
Rewards
5% on top eligible spend category (up to $500/billing cycle), 1% on everything else
Regular APR
19.49% – 29.49%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
A 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.
Pros
- 5% automatic top category
- No annual fee
- Intro APR
- No category activation needed
Cons
- $500/cycle cap on 5% earning
- 3% foreign transaction fee
- Only one bonus category at a time
Sign-Up Bonus
$200 cash back after spending $1,500 in 6 months
Key Benefits & Perks
5% in your top spending category automatically
No annual fee
0% intro APR for 15 months
Citi Entertainment access
Contactless payment
Rewards Breakdown
| Category | Rate |
|---|---|
| Top Eligible Category | 5% |
| Everything else | 1% |
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People who want automatic 5% back in their top spending category
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