Citi Custom Cash℠ Card
on Citibank's application
Citi Custom Cash℠ Card
Card details
Earn $200 in cash back after you spend $750 on purchases in the first 3 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 13.99% - 23.99%, 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.
Rates, fees & offers
Annual fee
$0
Rewards rate
1%-5%
Bonus offer
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro APR
0% intro APR on Purchases and Balance Transfers for 15 months
Ongoing APR
APR: 13.99% - 23.99% Variable APR
Cash Advance APR: 25.24%, Variable
Penalty APR: Up to 29.99%, Variable
Balance transfer fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR13.99% - 23.99% Variable APR | Regular APR15.99% - 22.99% Variable APR | |
Intro APR0% intro APR on Purchases and Balance Transfers for 15 months | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Erin Hurd
Rating details
4.7
Editor's overall rating
Pros and cons
Pros
No annual fee
5% bonus categories
Intro APR Period
Cons
Low rate outside bonus categories
Requires good/excellent credit
The Citi Custom Cash℠ Card is a competitive contender in the 5% cash back arena. It earns 5% back in one eligible spend category, on up to $500 each billing cycle, and an unlimited 1% back on all other purchases.
What sets the $0-annual-fee card apart from other 5%-back options is the fact that your monthly rewards are automated and adjusted based on your monthly spending habits. Similar cards typically require cardholders to activate bonus categories each quarter. The automated rewards from the Citi Custom Cash℠ Card can be a big draw for those looking to earn outsized earnings without added effort, but could be a downside for those looking to maximize rewards on every purchase.
For more information about it, check out our full review here.
