Earn more in the categories that matter most — automatically, every single month.
If your spending changes throughout the year, the Citi Custom Cash Card is built to keep up. Rather than asking you to activate quarterly categories or monitor rotating bonuses, this card automatically detects your highest eligible spending category each billing cycle and applies elevated cashback to it. With no annual fee and a competitive introductory APR, it offers flexibility and efficiency for both everyday expenses and larger purchases.
How It Performs in the Cashback Landscape
Many cashback credit cards require manual category selection, enrollment deadlines, or strict spending caps. The Citi Custom Cash Card eliminates those extra steps. Backed by Citibank, a global financial institution with decades of experience, this card is structured to follow your spending behavior instead of forcing you to adjust it. If groceries dominate your budget one month and restaurants the next, your rewards will automatically reflect that shift.
Comparing Major Credit Card Categories
Cashback Cards
Designed for simple earning and easy redemption. Citi Custom Cash stands out by automatically applying 5% cashback to your top eligible category without activation.
Travel Rewards Cards
Excellent for frequent travelers but often paired with annual fees and complex points systems. Citi Custom Cash focuses on straightforward everyday value.
Balance Transfer Cards
Typically centered on long promotional APR periods for debt reduction. Citi Custom Cash blends an intro APR offer with ongoing rewards — a valuable combination.
Student Credit Cards
Often come with lower credit limits and modest incentives. Citi Custom Cash can be a strong next step after building initial credit history.
Secured Credit Cards
Require a refundable deposit and aim at credit building. Citi Custom Cash is unsecured and generally suited for applicants with good credit standing.
Core Benefits of the Citi Custom Cash Card
5% Cashback in Your Highest Eligible Category
Each billing cycle, you earn 5% cashback on up to $500 spent in your top qualifying category. Eligible categories include restaurants, grocery stores, gas stations, select travel, transit, streaming services, and more. There’s no need to enroll or manually switch categories — the system automatically applies the highest reward tier.
1% Cashback on All Other Spending
All purchases outside your top category continue to earn unlimited 1% cashback, ensuring consistent rewards across your entire budget.
No Annual Fee
With a $0 annual fee, the card allows you to maximize earnings without offsetting costs.
Introductory 0% APR Period
New cardholders receive 0% APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR ranging from 19.24% to 29.24% applies depending on creditworthiness. This feature can help manage large purchases or consolidate higher-interest balances strategically.
Digital Tools and Account Access
Citi’s mobile app and online portal provide full account visibility. Cardholders can monitor spending trends, redeem cashback, review statements, schedule payments, and check their FICO® score. Real-time alerts notify you of transactions instantly, and you can temporarily lock or unlock your card for added control.
The card integrates with Apple Pay®, Google Pay™, Samsung Pay™, and supports contactless payments for fast and secure checkouts.
Built-In Security Protections
Citi includes Zero Liability Protection for unauthorized purchases, EMV chip technology for enhanced in-store security, ongoing fraud monitoring, and instant activity alerts. These safeguards work continuously to help protect your account.
Key Terms to Consider
Intro APR: 0% for 15 months on purchases and balance transfers
Standard APR: 19.24%–29.24% variable
Balance Transfer Fee: $5 or 5% of each transfer
Annual Fee: $0
Foreign Transaction Fee: 3%
Tip: Paying off balance transfers before the promotional window closes can help avoid interest charges.
How to Apply
You can apply directly through Citi’s secure website. Complete the online form with your personal and financial details and submit for review. Many applicants receive a decision within minutes. After approval and activation, you can begin earning rewards immediately.
Final Thoughts
The Citi Custom Cash Card adjusts to your spending patterns instead of requiring you to adapt. For those who want automatic rewards, flexible financing, and no annual fee, it offers a streamlined and dependable solution.
Click the button below to apply now and see if you qualify today.