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Citi Custom Cash℠ Card review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 23.99% (Variable) (0% for the first 15 months)
Balance Transfer
13.99% ‐ 23.99% (Variable) (0% for the first 15 months)
1% cashback
Signup Bonus
$200 after spending $750

Informr score
The Citi Custom Cash℠ Card currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 9 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 is a highly competitive card in your highest spending category, but much less so on everyday purchases, as it only earns 1% cash back. This card might be best to bookmark for purchases in one specific category where you regularly spend most to maximize rewards. In fact, th...

- Sloan Hammer, ValuePenguin
The Points Guy

You may find that your spending habits change frequently and want a card customized to your lifestyle. The Citi Custom Cash Card is a terrific choice, as you’ll gain true flexibility to earn rewards depending on your spending habits. Adding the Custom Cash may also be a good idea for existing Citi c...

- Stella Shon, The Points Guy

The Citi Custom Cash Card would be an ideal fit for cardholders who want to earn bonus rewards on common expenses. The 5% rewards rate on purchases in your top eligible spending category each billing cycle (up to the first $500 spent, and then 1% cash back after that) is one of the best bonus rates...

- Ben Walker, FinanceBuzz
Money Crashers

An excellent everyday spending card that splits the difference between flat-rate general spending cards and category- or tier-bound cards that restrict spending and limit choice. A generous sign-up bonus and unusually long 0% intro APR promotion sweeten the deal for new cardholders, but a foreign tr...

- Brian Martucci, Money Crashers

The Citi Custom Cash Card can help you earn flexible rewards with no annual fee — and you can take advantage of 0% interest for 15 months. But the spending cap may limit your annual rewards value, depending on your budget. If you really want to maximize your spending, consider pairing this card with...

- Holly Johnson, NextAdvisor


Interest Rates
Regular APR Interest Rate 13.99% ‐ 23.99% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 13.99% ‐ 23.99% (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 25.24% (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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