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Citi Custom Cash℠ Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
15.49% ‐ 25.49% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
15.49% ‐ 25.49% (Variable) (0% for the first 15 months)
Balance Transfer
15.49% ‐ 25.49% (Variable) (0% for the first 15 months)
Balance Transfer
15.49% ‐ 25.49% (Variable) (0% for the first 15 months)
1% cashback
1% cashback
Signup Bonus
$200 after spending $750
Signup Bonus
$200 after spending $750

Informr score
The Citi Custom Cash℠ Card currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 18 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Citi Custom Cash℠ Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Citi Custom Cash℠ Card gives you a lot of power with its superior flexibility. It has the optimization of rotating category rewards, with none of the hassle of manual activation. You automatically earn the topmost cash-back rate on your highest eligible spending category for each billing cycle. ...

- Jaclyn DeJohn, Cnet

The Citi Custom Cash Card has an attractive cash back rewards program, with no annual fee. You might like this card if: you want to earn a higher cash back rewards rate, you mostly spend on everyday purchases and you don't want to pay an annual fee

- Rebecca Lake, MyBankTracker
One Mile at a Time
One Mile at a Time

The Citi Custom Cash Card is a fantastic no annual fee card that is worth picking up for anyone earning Citi ThankYou points. The card offers 5x points (or 5% cash back) in your top select category every billing cycle, for up to $500 of spending. While that cap is fairly low, those bonuses could rea...

- Ben Schlappig, One Mile at a Time

Anybody can apply and feel pretty good about getting the Citi Custom Cash℠ Card, but it’s really meant for somebody who wants cash back without having to do much thinking about how to earn it. And if you think about it, the way the categories are set up, it’s a pretty nice deal. If one month you jus...

- Jennifer Doss,

The Citi Custom Cash Card is a breath of fresh air in the world of cash back credit cards. Its unique approach to earning 5 percent rewards on each billing cycle’s top category grants cardholders a valuable middle ground between the current four cash back program styles: flat-rate rewards, tiered bo...

- Garrett Yarbrough, Grace Pilling, Bankrate


Interest Rates
Regular APR Interest Rate 15.49% ‐ 25.49% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.49% ‐ 25.49% (Variable) (0% for the first 15 months)
  • Intro rate applies on balances transferred within the first 4 months of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 10%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus $200 after spending $750

On purchases within the first 3 months.

All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Paywave, Apple Pay, Samsung Pay
Virtual Cards Unknown
Additional Benefits
  • Mastercard ID Theft Protection
  • Citi Entertainment®
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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