Citi Custom Cash®

Issuer

Citi

Network

Mastercard

Regular APR

18.49% - 28.49%

Credit Score

690 - 850 (Good - Excellent)

Rewards Rate Details

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Intro Offer Details

Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Pros

• No annual fee
• 5% cash back in the highest spend category each billing cycle up to $500
• No rotating categories to track; the top category is automatically applied
• 0% intro APR for 15 months on purchases and balance transfers
• Rewards can be pooled with other eligible Citi cards
• Simple redemption options for rewards
• Special travel offer: 4% additional cash back on hotels and car rentals through the Citi Travel℠ portal until June 30, 2026

Cons

• 5% cash back is capped at $500 per billing cycle, limiting rewards potential
• All other spending earns only 1% cash back
• Has a 3% foreign transaction fee, making it less ideal for international use
• Light on additional benefits compared to some competitors
• Bonus rewards are limited to one category per billing cycle
• Higher bonus spend requirement compared to some other cards