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Citi Custom Cash℠ Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.24% ‐ 29.24% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
19.24% ‐ 29.24% (Variable) (0% for the first 15 months)
Balance Transfer
19.24% ‐ 29.24% (Variable) (0% for the first 15 months)
Balance Transfer
19.24% ‐ 29.24% (Variable) (0% for the first 15 months)
1% cashback
1% cashback
Signup Bonus
$200 after spending $1,500
Signup Bonus
$200 after spending $1,500

Informr score
The Citi Custom Cash℠ Card currently has an Informr score of 9 out of 10. This score is based on our evaluation of 25 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 takes the work out of getting cash back. It offers one of the highest cash back rates for a no-annual-fee credit card. It’s also one of the simplest rewards credit cards to use, as its bonus categories adapt to your spending. The card also comes with a strong intro APR offer.

- Sarah Hostetler, Time

The Citi Custom Cash won’t make an ideal primary credit card since maximizing the cash-back reward value requires attention to be paid to what’s being purchased on the card—and only one eligible category each month will earn at the elevated rate. However, using this card in conjunction with a 2% cas...

- Becky Pokora, Forbes

The Citi Custom Cash® Card, from our partner Citi, has a novel approach to rewarding spending. It offers impressive cash back on purchases made in your top eligible spending category each month, up to a monthly spend cap—no activation required.

- Ben Luthi, SlickDeals

The Citi Custom Cash Card is a breath of fresh air in the world of cash back credit cards. Its unique approach to earning a high rewards rate 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...

- Garrett Yarbrough, Bankrate

The Citi Custom Cash Card has an attractive cash back rewards program, with no annual fee. On the other hand, you might learn toward another card if you're interested in travel benefits specifically. And it's possible to earn even more cash rewards with a different card. The trade-off may be a more...

- Rebecca Lake, MyBankTracker


Interest Rates
Regular APR Interest Rate 19.24% ‐ 29.24% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 19.24% ‐ 29.24% (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 29.99% (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 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $41.00


Sign up bonus $200 after spending $1,500

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 No
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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