Citi Custom Cash Card: Personalized Rewards with Zero Guesswork

Earn where you spend most – no activation, no hassle, just cash back tailored to you. The Citi Custom Cash Card deserves your wallet.

If your spending habits change month to month, the Citi Custom Cash Card has you covered. This smart credit card automatically adjusts to reward your highest eligible spending category each billing cycle, so you’re always earning the most possible cashback — without any extra effort. With no annual fee and a competitive 0% intro APR, it’s a flexible and cost-effective solution for everyday purchases, big and small.

How It Stands Among the Competition

In a sea of cashback cards that require category selection, spending thresholds, or rotating calendars, the Citi Custom Cash Card stands out for its adaptive rewards system. Issued by Citibank, a global leader in financial services, this card was designed to work with your lifestyle — not against it. Whether you’re filling up at the pump or picking up groceries, the card identifies your top spending category and rewards you automatically.

Comparing Popular Credit Card Types

Cashback Credit Cards

Reward everyday spending with simple redemption options. The Citi Custom Cash℠ Card leads the pack here with 5% cashback in your top eligible category — no activation required.

Travel Rewards Credit Cards

Great for those who travel frequently, but usually come with annual fees or complex point systems. The Citi Custom Cash℠ Card, by contrast, offers straightforward value with no fees or blackout dates to worry about.

Balance Transfer Cards

Focus on debt payoff with long intro APRs. The Citi Custom Cash℠ Card blends this benefit with rewards — a rare combination.

Student Credit Cards

These typically offer lower limits and modest rewards. The Citi Custom Cash℠ Card is a better next step after building initial credit.

Secured Credit Cards

Geared toward credit building with a deposit. The Citi Custom Cash℠ Card is unsecured and may require good credit to qualify, making it ideal for more established users.

Citi Custom Cash℠ Card: Core Benefits That Set It Apart

5% Cash Back Automatically in Your Top Spending Category

Each billing cycle, you’ll earn 5% cashback on the first $500 spent in your top eligible category. Categories include restaurants, grocery stores, gas stations, select travel and transit, streaming services, and more — no need to enroll or switch categories manually.

1% Cash Back on All Other Purchases

Beyond your top category, you’ll still earn 1% unlimited cashback on all other purchases. Whether you’re shopping online or paying utility bills, every transaction contributes to your rewards balance.

No Annual Fee

With the Citi Custom Cash℠ Card, you won’t pay a cent in annual fees. This makes it a high-value choice for users who want to maximize rewards without additional costs.

0% Intro APR on Purchases and Balance Transfers

Enjoy 0% APR for 15 months on both purchases and balance transfers from account opening. After that, a variable APR between 19.24% – 29.24% applies. This gives you time to finance a big purchase or pay off existing balances interest-free.

Digital Tools and Account Management

The Citi mobile app gives you full control, from tracking spending to redeeming rewards or setting alerts. You can lock and unlock your card in real time, access your FICO score, and set up customizable spending notifications.

Compatible with Apple Pay, Google Pay, and Samsung Pay, the card also supports contactless payments for fast, secure checkouts.

Security That Works Behind the Scenes

With Citi’s Zero Liability Protection, you won’t be held responsible for unauthorized charges. Additional safeguards include EMV chip technology, fraud monitoring, and real-time alerts to keep your account secure.

Terms at a Glance

• Intro APR: 0% for 15 months on purchases and balance transfers
• Regular APR: 19.24% – 29.24% variable
• Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• Annual Fee: $0
• Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Tip: Pay off any balance transfers within the introductory period to avoid interest.

How to Apply for the Citi Custom Cash Card

Applying is easy and takes just a few minutes. Head to Citi’s secure website, fill out the online application, and receive a decision quickly — often within minutes. You’ll need basic financial and personal information, including income, employment, and housing status. If approved, you can start using your card as soon as it arrives — and begin earning tailored rewards right away.

A Card That Works With You

The Citi Custom Cash Card adapts to your spending — not the other way around. Whether you’re dining out this month or booking travel next month, your cashback keeps up.