Citi Custom Cash® — Effortless Cash Back, Every Single Month

Spend normally. Earn automatically. The Citi Custom Cash® Card does the hard work for you—no rotating categories, no tracking, and no hidden fees.

If you’re looking for a credit card that rewards your spending automatically, the Citi Custom Cash® Card could be your best ally. Earn 5% cash back in your top category each month—without lifting a finger. The financial world is filled with rewards cards promising big returns—but often with complicated rules, rotating categories, or annual fees that eat into your savings. The Citi Custom Cash® Card breaks that mold.

This card focuses on simplicity, automation, and real value. Each month, you automatically earn 5% cash back on your top eligible spending category (up to $500 in purchases), plus 1% cash back on all other spending. No sign-ups, no manual activation, and absolutely no annual fee.

Whether your biggest expense this month is dining out, gas, groceries, or travel, the Citi Custom Cash® Card adjusts automatically. It’s a smarter, more flexible way to earn rewards—and a perfect fit for people who value both convenience and control.

Benefits of the Citi Custom Cash®

1. Adaptive Cash Back That Follows Your Spending Habits

Every month, the Citi Custom Cash® Card analyzes your transactions and applies a 5% cash back rate to the category where you spent the most. Categories include essentials like gas, groceries, restaurants, travel, home improvement, and even select streaming services.

You don’t have to think about it—the card automatically ensures your rewards match your lifestyle.

2. Unlimited 1% Cash Back on All Other Purchases

Every other transaction earns 1% cash back, so you’re never missing out. From your morning coffee to online subscriptions, every dollar counts toward your rewards total.

It’s the perfect everyday card for consistent earning without the confusion of multiple reward structures.

3. No Annual Fee — Keep Everything You Earn

Some cards make you pay to earn, but not this one. The Citi Custom Cash® Card has no annual fee, meaning every cent of cash back goes straight to your pocket.

That’s what makes it an excellent choice for anyone looking to maximize returns without taking on extra costs.

4. Introductory APR Offers

New cardholders can benefit from introductory 0% APR offers on purchases and balance transfers for a limited time. This gives you the flexibility to make larger purchases or transfer existing balances while paying no interest during the promo period.

It’s a great way to save money upfront while still earning rewards on your spending.

5. Modern, Secure, and Digital-Friendly

The Citi Mobile® App makes managing your card effortless. Check transactions, track rewards, and redeem cash back—all from your smartphone. You can even lock your card instantly if it’s misplaced, or enable contactless payments for faster, safer checkout.

With real-time alerts and fraud monitoring, you can shop and spend confidently wherever you go.

Why the Citi Custom Cash® CARD Deserves Attention

This card’s biggest strength is automation. It rewards you intelligently based on your behavior, not on fixed categories or deadlines. That makes it stand out from most cash-back programs on the market today.

For people who want reliable value without complexity, the Citi Custom Cash® Card provides an easy entry into high-return rewards—backed by Citi’s trusted financial infrastructure.

It’s not about chasing bonus categories—it’s about letting your spending naturally earn for you.

Potential Annual Savings

Let’s see how much value you could earn with the Citi Custom Cash® Card based on typical spending patterns:

Monthly Spending	5% Category Rewards	1% on Other Spending	Estimated Yearly Rewards
$1,000	≈ $50	≈ $10	≈ $60 per month → $720 per year
$2,000	≈ $100	≈ $20	≈ $120 per month → $1,440 per year
$3,000	≈ $150	≈ $30	≈ $180 per month → $2,160 per year

This example shows that with consistent use, your Citi Custom Cash® Card can turn everyday expenses into hundreds—or even thousands—of dollars in rewards over time.

Built-In Security for Peace of Mind

Citi takes cardholder security seriously, offering multiple layers of protection:

• Zero-liability coverage against unauthorized transactions.
• 24/7 fraud monitoring to detect unusual activity instantly.
• Contactless and encrypted payments for secure in-store and online purchases.
• Instant card locking/unlocking from the Citi Mobile® App.

This ensures every purchase is protected—so you can earn rewards with total confidence.

Eligibility Criteria

To qualify for the Citi Custom Cash® Card, applicants typically need:

• A good to excellent credit score (usually 700+).
• Stable income to support monthly payments.
• U.S. residency and a valid Social Security number.

Meeting these criteria improves approval odds and ensures access to Citi’s most competitive terms.

Application Process

Getting started is quick and easy:

1. Visit the official Citi website.
2. Locate the Citi Custom Cash® Card page.
3. Click “Apply Now.”
4. Fill in your personal, financial, and employment information.
5. Review the APR, fees, and promotional details carefully.
6. Submit your application for near-instant approval.

Once approved, you can immediately add your card to your mobile wallet and start earning 5% cash back from your first purchase.

Frequently Asked Questions

1. How does the 5% cash back feature work?
Each billing cycle, the card automatically identifies your top eligible spending category and applies a 5% cash back rate—no activation required.

2. Is there a cap on how much I can earn?
Yes. You earn 5% cash back on up to $500 in your top category per billing cycle, then 1% on everything else.

3. Does this card have an annual fee?
No. The Citi Custom Cash® Card has no annual fee, making it a cost-free way to earn rewards.

4. Can I redeem my rewards for travel or cash?
Yes. Rewards can be redeemed as statement credits, direct deposits, gift cards, or travel through Citi thankyou® Rewards.