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Citi Custom Cash℠ Card

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Rates and Fees

Annual Fee: $0

Bonus Miles
Cash Back
$200
Recommended Credit
580 - 740+
Current Offer

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
$200
Cash Back

Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening.

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Summary

The Citi Custom Cash is a super flexible cash-back earning card with the ability to earn 5% back on your top (eligible) spending category. This holds true for up to $500 spent each billing cycle, then 1% back after that. This flexibility means no sign-up is required for rotating categories. As your top spending habits change, so will your 5% earnings. It's truly a no-fuss card that gives you high-earning rates with really no work required. Just keep in mind this card does have foreign transaction fees.

Earning Rewards

  • Earn 5% cash-back on your top eligible spending category each billing cycle (up to $500) spent
  • Special Travel Offer: Earn an additional 4% cash-back on hotels, car rentals, and attractions booked on Citi TravelSM portal through 6/30/25
  • Earn unlimited 1% cash-back on all other purchases

Additional Benefits

  • You choose your bonus spending category and forego fixed category spending rates

Foreign Transaction Fee

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Also consider

Citi Double Cash® Card

Citi Double Cash® Card

Citi Double Cash® Card

$200
Cash Back
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your account opening.
$200
Cash Back
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your account opening.
The Citi® Double Cash Card is a cash-back credit card known for its simple yet effective rewards structure. Cardholders can earn cash-back twice—once when making purchases and again when they pay off those purchases. This makes it a valuable choice for those who prefer uncomplicated and rewarding cash-back programs.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for gas stations

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

🏆 Best for gas stations

70,000
Bonus Points
LIMITED TIME OFFER
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000
Bonus Points
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
The Citi Strata Premier is the latest and greatest card from Citi. It features solid earning rates on everyday spending categories such as air travel, hotel purchases, restaurants, supermarkets, gas, and even EV charging stations. With a low annual fee, we view it as a solid, mid-tiered card no matter if you like to earn rewards on travel or just on your everyday activities.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool