Citi Custom Cash℠ Card

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.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% – 24.74%, 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.

Fees & Conditions

Annual Fee 0 $

Advantages

Welcome Bonus amount 200 $ Cash Back

Minimum Spending Required 750 $

Minimum Spending Timeframe (Months) 3 month(s)

Earnings

Per dollar of purchases

All Spending 1 %

Groceries 1 %

Gas 1 %

Dining and Food delivery 1 %

Convenience Stores 1 %

Drugstores 1 %

Local Transport 1 %

Travel 1 %

Entertainment 1 %

Recurring Payments 1 %

Telecom/Internet 1 %

Streaming services 1 %

Online transactions 1 %

Office Supplies 1 %

Our review

Earn Top-Tier Cash Back Automatically with the Citi Custom Cash® Card

5% cash back on your highest eligible spend category each billing cycle (up to $500)
1% cash back on all other purchases
$200 welcome bonus after $1,500 spent within 6 months
0% intro APR on purchases and balance transfers for 15 months
No annual fee
Automatic category tracking—rewards adjust each cycle with no activation needed

Whether you’re filling up at the pump, grabbing groceries or streaming your favorite shows, this card matches your top spending category every month—so you always earn maximum cash back where it matters most. Redeem ThankYou® Points as statement credits, direct deposits or gift cards with no minimums, and manage your account seamlessly in the Citi Mobile app.

Terms apply. 5% back on up to $500 in combined eligible purchases per billing cycle, then 1% back. Welcome bonus: 20,000 points (worth $200) after $1,500 spend in first 6 months. Intro APR and balance transfer offer subject to credit approval; fees apply. See issuer for details.