⭐ Editor's Choice — Top Rated Pick
Citi Custom Cash® Card
📍 Available in: US
★★★★★ 4.8 / 5.0
The Citi Custom Cash Card reimagines category rewards by automatically adapting to your spending habits. Rather than forcing you to activate rotating categories, the card automatically detects your highest eligible spending category each billing cycle—from Groceries and Restaurants to Gas Stations and Home Improvement—and awards 5% cash back on up to $500 spent.
Key Facts at a Glance
| APR / Rate | 19.24% - 29.24% Variable APR |
| Credit / Eligibility | Good to Excellent (670+ FICO) |
Pros & Cons
✓ Pros
- ✓Zero activation required—card automatically maximizes your highest spending category
- ✓Eligible categories include high-cost essentials: Groceries, Gas, Dining, Drugstores, Fitness
- ✓Points can be pooled with Citi Strata Premier to transfer to airline loyalty programs
- ✓$0 annual fee
✕ Cons
- ✕5% cash back is capped at $500 in spending per billing cycle ($25 max per month at 5%)
- ✕3% foreign transaction fee makes it poor for overseas trips
Key Features
Automatic 5% Cash Back on Top Spend Category (up to $500/cycle)$200 Sign-Up Bonus0% Intro APR for 15 Months$0 Annual FeeVersatile Citi ThankYou® Points System
Compare Citi Custom Cash® Card Side-by-Side
Not sure if Citi Custom Cash® Card is the right fit? See how it stacks up against direct competitors:
Citi Custom Cash® CardvsChase Sapphire Reserve®
Citi Custom Cash® CardvsThe Platinum Card® from American Express
Citi Custom Cash® CardvsCapital One Venture X Rewards Credit Card
Citi Custom Cash® CardvsCiti® Double Cash Card
Citi Custom Cash® CardvsChase Freedom Unlimited®
Citi Custom Cash® CardvsChase Ink Business Preferred®