- Sign-Up Bonus
- 3
- Spending Multipliers
- 4
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 3
- Spending Multipliers
- 4
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Citi Custom Cash Card from Citibank is a flexible, no-annual-fee cashback credit card ideal for everyday spenders who want to earn rewards without complicated tier structures. With 5% cash back on your top eligible spend category each billing cycle — up to $500 spent — and 1% cash back on all other purchases, this card is perfect for consumers who have fluctuating spending patterns and want to maximize rewards where it matters most, whether on dining, groceries, gas, or streaming. The Citi Custom Cash card also lets you choose your payment due date for better budget control and includes an ID Theft Protection program offered by Mastercard for added security. While the 5% cash back is capped monthly and limited to select categories, and there’s a 3% foreign transaction fee, this card still benefits those looking for simple, automatic rewards on everyday purchases without paying an annual fee. It’s a strong choice for value-seekers who prefer straightforward cash back and flexible account management over travel perks or premium bonuses.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
- Welcome bonus is only available if you didn’t receive one in the last 48 months
- Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months
- Consider having at least a credit history for 6 months
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 17.49% - 27.49% Variable APR
- 29.74% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 17.49% - 27.49% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)