Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

on Citibank's application

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

Citi Custom Cash℠ Card

on Citibank's application

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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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

13.99%-23.99% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

0% intro APR on Purchases and Balance Transfers for 15 months

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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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.