Citi Custom Cash

The Citi Custom Cash offers 5% cashback on your top monthly spending category, up to $500.

Credit Card

Citi Custom Cash

No annual fee Foreign transaction fees apply

1% cash back on all other purchases

How to Apply You will remain on the current site

This innovative structure ensures that you maximize your rewards in the category where you spend the most, whether it’s dining, groceries, or another area. 

With no annual fee and access to Citi’s customer service, this card offers great value without any hassle, making it an excellent option for those seeking simplicity and personalized rewards.

The Best Credit Card for Personalized Cash Back Rewards

The Citi Custom Cash Credit Card stands out for its ability to automatically adjust to your spending patterns, allowing you to earn higher rewards in your top category each month.

It provides 5% cashback on up to $500 spent in that category and 1% on all other purchases. This dynamic rewards structure ensures that your card continually adapts to fit your needs. 

The absence of an annual fee and the flexibility of redemption options (statement credit, gift cards, or travel) further enhance the card’s value, making it ideal for those who want a straightforward and adaptable rewards program.

Pros and Cons

Pros

• 5% Cash Back on Your Top Spending Category Each Month (Up to $500)
• 1% Cash Back on All Other Purchases
• No Annual Fee
• Flexible Redemption Options (Statement Credit, Gift Cards, or Travel)
• Access to Citi’s Customer Service and Fraud Protection
• No Need to Track Rotating Categories

Cons

• 5% Cash Back is Limited to the First $500 Each Month
• Requires Good to Excellent Credit for Approval
• Foreign Transaction Fees Apply
• Higher APR for Carrying Balances

How Do I Know if the Citi Custom Cash Credit Card Is the Best Card for Me?

The Citi Custom Cash Credit Card is ideal for individuals who want a rewards program that aligns with their spending habits. 

If you consistently spend a significant amount in one category, such as dining, travel, or groceries, this card ensures you earn the highest possible cash back on those purchases each month.

Why Do We Like This Card?

We like the Citi Custom Cash Credit Card because it offers personalized rewards based on your spending.

The 5% cash back on your top category ensures you’re earning the most where it matters, while the 1% cash back on all other purchases allows you to continue earning rewards on everyday spending. 

The card’s simplicity, no annual fee, and flexible redemption options make it a cost-effective and versatile choice.

Whether you’re a frequent diner, traveler, or shopper, the Citi Custom Cash Credit Card delivers great value with its tailored approach to cash back.