The Citi Custom Cash℠ Card is a highly flexible cash back credit card that adapts to your lifestyle by automatically rewarding you with 5% cash back on your top eligible spending category each billing cycle — no activation required. With no annual fee, this card delivers high rewards without the hassle of tracking rotating categories or spending limits across multiple areas.
Whether you spend most on dining, groceries, gas, or streaming, the Citi Custom Cash℠ Card adjusts to you — not the other way around.
What Is the Citi Custom Cash℠ Card?
The Citi Custom Cash℠ Card is a no-annual-fee credit card that earns cash back in the form of Citi ThankYou® Points, making it ideal for those who want optimized rewards without complexity. It’s part of Citi’s ThankYou® Rewards ecosystem, allowing for flexible redemptions and point transfers.
Key Features and Benefits
5% Cash Back Automatically
Earn 5% cash back (5X ThankYou® Points) on your highest eligible spending category each billing cycle, up to $500 per month. No need to activate or choose manually.
Eligible 5% categories include:
- Restaurants
- Gas stations
- Grocery stores
- Select travel
- Select transit
- Select streaming services
- Drugstores
- Fitness clubs
- Live entertainment (theaters, concerts, etc.)
After $500/month in that category, all other purchases earn 1% back (1X point per $1).
Welcome Bonus
Earn $200 cash back (as 20,000 ThankYou® Points) after spending $1,500 in the first 6 months — a longer timeframe than most competitors, offering more flexibility.
No Annual Fee
There’s no annual fee, so all rewards earned go straight into your pocket — no break-even point required.
Points Can Be Redeemed or Combined
You can redeem your ThankYou® Points for:
- Statement credit
- Direct deposit or check
- Travel through Citi ThankYou Travel Center
- Gift cards
- Amazon purchases
- Transfers to eligible Citi travel partners (if you hold another qualifying Citi card)
This adds long-term flexibility for travelers or Citi ecosystem users.
Intro 0% APR Offer
Enjoy 0% intro APR on purchases and balance transfers for 15 months, followed by a variable APR (typically 19.24%–29.24%). Balance transfers require a 3% fee (minimum $5).
Digital and Security Benefits
- Contactless payments
- Citi Quick Lock® to freeze your card instantly
- 24/7 fraud monitoring
- Real-time purchase alerts
- Works with digital wallets: Apple Pay, Google Pay, Samsung Pay
Fees and Requirements
- Annual Fee: $0
- Intro APR: 0% on purchases and balance transfers for 15 months
- Foreign Transaction Fees: 3%
- Credit Needed: Good to Excellent (typically 700+ FICO)
- Rewards Cap: 5% back on up to $500/month in the top category
How to Apply for the Citi Custom Cash℠ Card
- Visit citi.com/customcash
- Review the current welcome offer, terms, and eligibility
- Submit the secure online application with your personal and financial details
- Most applicants receive a decision instantly
- Once approved, your card will arrive within 5–7 business days
Conclusion: Is the Citi Custom Cash℠ Card Worth It?
Yes — the Citi Custom Cash℠ Card is ideal for users who want a set-it-and-forget-it strategy to earn 5% back where they already spend the most. With no annual fee, a solid welcome bonus, and integration into Citi’s ThankYou® ecosystem, it offers a strong combination of simplicity, value, and long-term flexibility.
Perfect for:
- Everyday spenders who don’t want to track rotating categories
- Citi users looking to grow a ThankYou® points strategy
- Anyone seeking a no-fee card with premium-level rewards on common purchases
This is a modern cashback card built for modern spending habits — smarter, adaptive, and rewarding by design.
