Credit and Loans

Citi Custom Cash℠ Card – 5% Back Where You Spend Most

Automatic 5% cash back in your top eligible spend category each billing cycle

Maximize rewards effortlessly with a card that adapts to your spending

Annual Fee: $0
Rewards Rate: 5% on top eligible spend category (up to $500/mo), 1% on all other purchases
Intro Offer: $200 cash back after $1,500 in purchases within 6 months
Recommended Credit Score: 670–850 (Good to Excellent)

Citi Custom Cash℠ Card

No need to activate or choose categories—Citi Custom Cash℠ automatically rewards your highest spend area each billing cycle.

EARN $200 BONUS

FLEXIBLE REWARDS

NO ANNUAL FEE

Earn automatically where you spend most, whether it’s restaurants, gas, groceries, or select travel—then enjoy flexible redemption options.

Earn 5% in your top category monthly—automatically.

More Details

How to Apply

Apply online in minutes. Most applicants get a fast response and can start using the digital card right away if approved.

Prefer travel perks and airline credits? The Bank of America® Premium Rewards® card offers 2X on travel and dining plus premium benefits.

Premium perks, 2X points, and $100 travel credits yearly.

Compare Alternatives

: No—your highest eligible spending category is selected automatically each billing cycle.
: Yes, you earn 5% on the first $500 spent in your top category per billing cycle, then 1% thereafter.
: You can redeem for cash back, gift cards, travel, or statement credits through Citi ThankYou® Rewards.