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Citi Custom Cash Card card art
Citi · custom cash

Citi Custom Cash Card

4.4 / 5
Citi ThankYou Points · Personal card

The set-it-and-forget-it answer for category cash back. The 5% picks itself based on where you actually spent.

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At a glance

Issuer terms
Welcome bonus
$200 cash
Spend $1,500 in 6 months
Annual fee
$0
Purchase APR
18.49% to 28.49%
Intro: 0% for 15 months
FX fee
3%
BT intro: 0% for 15 months
Rates accurate as of
Editorial

Our take

The set-it-and-forget-it answer for category cash back. The 5% picks itself based on where you actually spent.

Verdict

Pros & cons

Pros

  • Automatic 5% on top category
  • Long 0% intro APR
  • No annual fee
  • ThankYou Points are transferable when paired with a Premier or Strata

Cons

  • $500 spend cap per cycle on the 5% tier
  • 3% foreign transaction fee
  • Limited transfer partners on its own
Earnings

Earn rates

CategoryRateNotes
Top eligible category5%Automatically earn 5% on your top eligible spend category each billing cycle, up to $500 in spend.·cap $500
All other purchases1%
Benefits

Key benefits

5% on whatever you spend most

No category activation. The card auto-selects your top spend each cycle.

$0 annual fee

No fee to keep the card year over year.

0% intro APR

15 months of 0% on purchases and balance transfers.

Fit

Who this is best for

  • People whose top spend category shifts month to month
  • Anyone who wants 5% without quarterly activation
  • Pairing with the Citi Premier to unlock transfer partners
FAQ

Frequently asked questions

What is the Custom Cash welcome bonus?
Earn $200 in cash back after spending $1,500 in the first 6 months. Cash back is received as 20,000 ThankYou Points, redeemable for $200 in cash back.
Does the Custom Cash charge an annual fee?
No. The Custom Cash has a $0 annual fee.
Does the Custom Cash have a foreign transaction fee?
Yes. The Custom Cash charges a 3% foreign transaction fee on purchases made outside the US.
Does the Custom Cash offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 15 months on purchases. The ongoing purchase APR is 18.49% to 28.49% variable.
Who is the Custom Cash best for?
People whose top spend category shifts month to month. Anyone who wants 5% without quarterly activation. Pairing with the Citi Premier to unlock transfer partners.
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Citi Custom Cash Card

Spend $1,500 in 6 months
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Rates accurate as of May 15, 2026. Issuer terms.