Citi Custom Cash Credit Card

By Raquel Oliveira • 03/06/2025

Citi Custom Cash Credit Card: 0% introductory APR for 15 months and no annual fee.

What makes this card unique is its ability to earn 5% cash back on your highest eligible spending category each billing cycle, automatically, up to a certain limit. 

Whether you spend the most on dining, groceries, or gas, this card adapts to your spending habits to help you maximize your rewards.

Additionally, the Citi Custom Cash Credit Card offers 1% cash back on all other purchases, allowing you to earn rewards consistently across every purchase.

Plus, with no annual fee and a generous sign-up bonus, this card is an affordable way to earn cash back with little effort.

Unique Feature of the Citi Custom Cash Credit Card

The unique feature of the Citi Custom Cash Credit Card is its ability to earn 5% cash back on your highest eligible spending category, up to the first $500 spent each billing cycle.

Categories like dining, grocery stores, gas stations, and select travel purchases can earn you the highest cashback rate. 

This flexibility makes it ideal for people who spend the most in one category each month, allowing them to earn maximum rewards without having to worry about rotating categories.

Pros and Cons

Pros:

• 5% cash back on your highest spending category: Automatically earn 5% cash back on your top category each billing cycle, with no need to activate categories.
• 1% cash back on all other purchases: Earn cash back on everything else, with no limits or restrictions.
• Sign-up bonus: Earn a generous cash bonus after meeting the minimum spending requirement.
• No annual fee: Enjoy cashback without paying extra fees.
• Flexibility: Customize your rewards based on where you spend the most.

Cons:

• 5% cash back is capped: The 5% cash back is limited to the first $500 spent each billing cycle in the top category.
• High APR: The APR can be relatively high, so it’s important to pay off your balance each month to avoid interest charges.
• Foreign transaction fees: The card charges a 3% foreign transaction fee, which may be a downside for international travelers.

How do I know if the Citi Custom Cash is the best credit card for me?

The Citi Custom Cash Credit Card is perfect for individuals who want to earn high rewards in one category each month. 

If you spend the most on dining, groceries, or another eligible category, this card allows you to earn 5% cash back on those purchases automatically. Additionally, with 1% cash back on all other purchases, it provides consistent rewards for your everyday spending.

Why do we like this card?

This credit card stands out because of its automatic category-based rewards system. Unlike other rewards cards that require manual category selection or rotating spending categories.

The lack of an annual fee makes it an appealing choice for budget-conscious consumers who want to earn cashback without additional expenses. Additionally, the introductory 0% APR for 15 months adds extra value, providing flexibility for large purchases or balance transfers.

For those looking for a convenient, adaptable, and rewarding credit card, the card is an excellent choice that fits many spending habits.

Conclusion for this Citi Custom Cash

This credit card is an excellent choice for individuals who want a hassle-free rewards system that adjusts automatically. With 5% cashback on the top spending category and no annual fee, it provides a cost-effective way to earn rewards on everyday purchases.

The introductory 0% APR offer makes it even more appealing, especially for users who need financing for large purchases. However, its foreign transaction fee and spending cap on the 5% cashback category.

For those who want a smart cashback card that simplifies rewards and adapts to spending habits, this credit card is an excellent option.