Get to know the Citi Custom Cash℠ Card

Written by
Jennifer Doss
Terms apply; see the online credit card application for full terms and conditions of offers and rewards


Citi Custom Cash CardFrom grocery shopping to trips to home improvement stores, there are routine costs we all have to budget for. Wouldn’t it be nice to earn cash back on those purchases? With the Citi Custom Cash℠ Card, you can.

The Citi Custom Cash℠ Card offers 5% cash back on purchases in your top eligible spend category each billing cycle up to the first $500 spent (then 1% thereafter). You'll earn unlimited 1% on all other purchases. All this and there's no annual fee (see pricing and information).

What sets this card apart is that there are no rotating bonus categories or categories to sign up for. As your spending changes each billing cycle, your earning adjusts automatically when you spend in any of the eligible categories. That means less work for you. Instead of having to keep up with rotating categories or remembering to enroll when a category changes, just spend like you normally would and automatically earn rewards on those purchases.

Which categories are eligible to earn 5% cash back (up to $500 spent) based on where you spent the most that billing cycle

One of the nice things about this card is that the potential bonus cash back is offered in popular everyday categories, so there’s a lot of rewards-earning potential. The eligible 5% categories include:

  • Restaurants
  • Gas stations
  • Grocery stores
  • Select travel
  • Select transit
  • Select streaming services
  • Drugstores
  • Home improvement stores
  • Fitness clubs
  • Live entertainment

New cardholder offers

New Citi Custom Cash℠ Card cardholders can earn $200 cash back after spending $750 on purchases in the first three months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

This is a nice offer for a card with no annual fee (

Featured Partner Cards:


The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. does not review every company or every offer available on the market.