Benefits of the Citi Custom Cash Card

Its elevated rewards are automatically adjusted, which makes it a valuable 5%-back card. Plus it features a lengthy intro APR offer on purchases and balance transfers.
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Written by Funto Omojola
Lead Writer
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Edited by Erica Corbin
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The Citi Custom Cash® Card stands out for its simplicity in a competitive 5% cash-back field.

Citi Custom Cash® Card
NerdWallet rating 

The $0-annual-fee card offers automatically adjusted 5% back in popular everyday categories, which makes it ideal for those who want elevated rewards with no fuss.

Here are the benefits of the Citi Custom Cash® Card.

High cash back in popular categories

The Citi Custom Cash® Card offers 5% cash back in your top eligible spending category, on up to $500 each billing cycle, and 1% back after that. What makes the card especially valuable is the fact that holders can earn high rewards in the following broad categories:

  • Grocery stores.

  • Restaurants.

  • Gas stations.

  • Streaming services.

  • Drugstores.

  • Home improvement stores.

  • Fitness clubs.

  • Select travel.

  • Select transit.

  • Live entertainment.

🤓Nerdy Tip

Until June 30, 2025, Citi Custom Cash® Card cardholders will earn an additional 4% cash back on hotels, car rentals and attractions booked through Citi. So if that's your top spending category, you'll earn a whopping 9% back. If not, you'll still earn 5% back on these purchases.

Simplicity of rewards

A key feature of this card is that rewards are automatically adjusted based on your monthly purchases. This means that if your spending leans more heavily toward one eligible bonus category than it did the previous cycle, your rewards will automatically adjust.

Many other cards in the 5%-back market feature categories that are chosen by the issuers and announced only at the start of each quarter. This can make it difficult to plan your spending. Also, some cards require you to activate your bonus categories each quarter, which is an extra hurdle.

0% intro APR offer

The Citi Custom Cash® Card features a 0% intro APR on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.24%-29.24% Variable APR. This lengthy interest-free window is ideal for consumers who are looking to transfer over existing debt from another card, or pay off a large purchase without being charged the card’s APR.

Transfer partners

Cardholders can redeem rewards for cash back as statement credit, check or direct deposit (at the rate of a penny per point), among other redemption options.

But points earned from the Citi Custom Cash® Card can also be combined and transferred to other cards that earn Citi ThankYou points. Plus, transferring points to one of Citi’s travel partners can sometimes get you a higher points value.

Sign-up bonus

New account openers will get the following welcome offer: 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. This can get holders a good amount of cash for meeting the card’s spending requirement.

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