Great welcome bonus and infinite cashback rewards, all while being free from the burden of an annual fee!

With the Citi Custom Cash℠ Card, you can earn cashback on your everyday purchases!


If you’re looking for a credit card that caters to your needs, the Citi Custom Cash℠ Card is the perfect match. It offers an unbeatable 5% cashback on day-to-day expenses across several spending categories that are often overlooked by other credit cards. With this card, you will always earn cashback in the category you spend the most – which means maximum cashback every time!


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Explore the advantages of swiping your Citi Custom Cash℠ Card!

Earn 5% cashback on purchases made in your highest eligible spending category every billing cycle.
For all other purchases, receive 1% cashback.
There is no annual fee required.
Introductory bonus.

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As a Mastercard credit card, the Citi Custom Cash℠ allows cardholders to earn cash rewards on both everyday and select category purchases. Unlike other cards, there’s no requirement to enroll in rotating bonus categories. Plus, being a cardholder means you’ll have access to exceptional Mastercard benefits.

Approval for the Citi Custom CashSM Card is highly competitive as it requires excellent credit. To be eligible for the card, you must have a high monthly income and a credit score of 700 or above. Additionally, ensure that you can manage the card’s fees and APR before applying.

If you’re in search of a credit card that offers cashback and a low introductory APR for savings on purchases and balance transfers, the Citi Custom Cash℠ credit card can be an excellent choice for managing your finances!

This credit card is always mentioned when we talk about rewarding and advantageous credit cards. Take a look at some pros and cons:


  1. Generous Cashback Rewards: The Citi Custom Cash Card offers a generous cashback rewards program, allowing cardholders to earn cashback on their purchases. With this card, you can earn 5% cashback on your top eligible spending category each billing cycle, up to $500 spent, and then 1% cashback thereafter. This flexible rewards structure adapts to your spending habits, maximizing your cashback potential.
  2. No Annual Fee: One of the appealing features of the Citi Custom Cash Card is that it comes with no annual fee. This makes it a cost-effective option for those who want to earn rewards without having to pay an annual fee for the privilege of using the card.
  3. Introductory APR Offer: The card comes with an introductory APR offer, allowing cardholders to enjoy a low or even 0% APR for a specified period on purchases and balance transfers. This feature can be particularly advantageous for those looking to make large purchases or consolidate existing credit card debt.


  1. Rotating Categories: While the 5% cashback category can be lucrative, it rotates each billing cycle based on your top eligible spending category. This means that you need to keep track of the current category to maximize your rewards, which may require additional effort and attention.
  2. Foreign Transaction Fees: Like many credit cards, the Citi Custom Cash Card charges foreign transaction fees for purchases outside the United States. These fees can add up, especially for frequent travelers, and may offset some of the cashback rewards earned on international purchases.
  3. Credit Card Requirements: The Citi Custom Cash Card requires a good to excellent credit score for approval. If you have a limited credit history or a less-than-perfect credit score, you may not qualify for this card or may be approved with less favorable terms, such as a higher APR.

By considering these pros and cons, potential cardholders can make an informed decision about whether the Citi Custom Cash Card aligns with their financial goals and spending habits.

If you’re hesitant about the Citi Custom Cash℠ Card, we can suggest an alternative option – the Capital One Quicksilver Cash Rewards card!

This card offers remarkable cashback benefits with no annual or foreign transaction fees. Check out our post below to find out more and learn how to apply!

Apply for Amazon Prime Rewards credit card

Are you a frequent shopper on If yes, discover a card that provides cashback rewards for your purchases!

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