The Citi Custom Cash® Card is changing the way people think about cash back. Unlike traditional cards that require you to pick categories or keep track of rotating calendars, this card does the work for you. It automatically applies the highest rewards rate to the category where you spend the most each billing cycle making sure you’re always maximizing your earnings without needing to plan ahead.
Whether you spend more on groceries one month and dining out the next, this card adjusts seamlessly to fit your lifestyle. There’s no need to activate bonuses or remember to switch preferences. Plus, with no annual fee, an introductory APR offer, and access to Citi ThankYou® Points, the Citi Custom Cash® Card delivers real value for everyday spending without the extra effort. It’s a smart choice for anyone who wants rewards that follow their routine, not the other way around.
CITI CUSTOM CASH® CARD
Earn $200 cash back Low Intro APRWhat Makes the Citi Custom Cash® Card Stand Out?
This card adapts to your lifestyle, offering cash back where you need it most. Here’s what it delivers:
- Personalized Earning – You earn more in the category you use the most each billing cycle, such as groceries, dining, gas, or streaming services.
- No Annual Fee – There’s no yearly charge, so all your rewards stay in your pocket.
- Intro APR Offer – The card includes a promotional APR period for new purchases and balance transfers, ideal for managing new expenses or paying down debt.
- Citi ThankYou® Points – Your cash back is earned as points, which can be redeemed for a variety of options: cash, gift cards, travel, and more.
- Useful Categories – Bonus categories include essential areas like supermarkets, restaurants, select travel, fitness clubs, and transit services.
- Real-Time Management Tools – With Citi’s mobile app, you can track your spending, view rewards, make payments, and receive alerts instantly.
- Zero Liability for Fraud – Enjoy peace of mind with Citi’s security protection against unauthorized charges.
Whether your spending habits change each month or stay consistent, this card keeps up and rewards you without the need for micromanagement.
Overview of Fees and Charges
The Citi Custom Cash® Card is simple to manage, but it’s important to understand the costs:
| Fee Type | Details |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 0% intro APR for 15 months, then variable based on creditworthiness |
| Balance Transfer APR | 0% intro APR for 15 months, then variable |
| Balance Transfer Fee | 5% (minimum $5) per transfer |
| Foreign Transaction Fee | 3% of each transaction made outside the U.S. |
| Cash Advance Fee | $10 or 5% of the amount, whichever is greater |
| Late Payment Fee | Up to $41 |
| Minimum Interest Charge | $0.50 if interest is charged |
This card is better suited for domestic use due to the foreign transaction fee, but otherwise offers excellent value.
Who Can Apply?
The Citi Custom Cash® Card is ideal for individuals who want smart rewards without high fees. You’ll typically need:
- To be at least 18 years old (19 in some states)
- A valid Social Security Number or ITIN
- A U.S. mailing address
- A stable income
- A fair to excellent credit profile
Approval is subject to Citi’s credit and income assessment.
How to Apply for the Citi Custom Cash® Card
Follow these simple steps to apply online:
- Go to the official Citi website: Citi Custom Cash® Card
- Click on “Apply Now”
- Provide your personal and financial details securely
- Review and agree to the terms
- Submit your application and wait for a decision
Once approved, your card will arrive by mail, and you can start earning rewards right away.
Final Thoughts
The Citi Custom Cash® Card is designed for people who want a flexible and rewarding credit card without added complications. By automatically adjusting to your spending habits, it offers convenience, value, and personalization in one sleek package.
No rotating categories. No activation deadlines. Just effortless cash back where you spend the most.
Apply today and let your Citi Custom Cash® Card do the thinking—so you can focus on spending smarter.
CITI CUSTOM CASH® CARD
Earn $200 cash back Low Intro APRFrequently Asked Questions
Is the Citi Custom Cash® Card considered a cash back card?
Yes. This card is part of Citi’s cash back lineup and is designed to automatically reward you based on where you spend the most—no category selection required.
How do the rewards on this card adjust to your spending?
Each billing cycle, the card tracks your purchases and applies the highest cash back rate to the category where you spent the most, making your rewards completely personalized.
Which spending categories qualify for the bonus cash back?
Eligible bonus categories include common everyday expenses such as grocery stores, gas stations, dining, transit, select streaming services, and certain travel and fitness purchases.
What are the options for redeeming Citi Custom Cash® Card rewards?
You can turn your rewards into direct deposits, statement credits, gift cards, travel bookings, or use them to shop online—all through Citi’s ThankYou® Rewards platform.
Do I need a high credit score to apply?
While approval depends on several financial factors, applicants with good to excellent credit typically have the best chances. Those still building credit might consider starting with a secured card first.
