Best for no-headache, no-annual-fee cash back in a select category

This card offers true flexibility to earn rewards depending on your spending habits. Adding the Custom Cash may also be a good idea for existing Citi cardholders seeking to maximize their rewards.

At a glance

  • 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • 1% Earn unlimited 1% cash back on all other purchases.
$200
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Up to 29.99% (Variable)
29.49% (Variable)
18.24% - 28.24% (Variable)
0% for 15 months on balance transfers
18.24% - 28.24% (Variable)
0% for 15 months on purchases
$0
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.

At a glance

  • 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • 1% Earn unlimited 1% cash back on all other purchases.
$200
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Up to 29.99% (Variable)
29.49% (Variable)
18.24% - 28.24% (Variable)
0% for 15 months on balance transfers
18.24% - 28.24% (Variable)
0% for 15 months on purchases
$0
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

Our Take

TPG Editor's Rating

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4/5

Overview

This card differentiates itself from other options on the market by providing the unique ability to earn up to 5% back on your top spending category each billing cycle on up to the first $500 spent. Whether you’re a credit card newbie or want a card that will help you maximize purchases that don’t fit into other traditional bonus categories, you’ll want to consider adding this pick to your wallet.

Pros

  • This card allows you to earn up to 5% back on your top spending category each billing cycle on up to the first $500 spent. Plus, no annual fee.

Cons

  • Light on other benefits.

Who is this card good for?

This card is ideal for credit card newbies and those who prefer cash back rewards.

Earning Rewards

This card earns 5% cash back on the first $500 of purchases in your top spending category each billing cycle.