Last updated: 6/14/2021

Citi Custom Cash℠

Earns: Cash Back

GigaTake:

Certainly an intriguing card, the Citi Custom Cash offers you an industry leading 5% cash back in just one category, whatever you spend the most each month. That high return is offset by an underwhelming 1% cash back on everything else.

This card is best for:

  • All Spending

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Here’s how much you would earn with this card

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You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • The 5% cash back for your top category is the best around.
  • No annual fee.
  • 15 month 0% Intro APR.

Cons

  • 1% on all other spending is a bit low.

See how the Citi Custom Cash℠ compares to other credit cards

Citi Custom Cash℠ Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 5x

Value = 1 cent per point
Effective Value = 5 %

0%
5%

Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

0%
3%

Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
$200

OK

Bonus Rating

Cash Back
GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
5% Your Top Category

Excellent

excellent

Excellent

In the top 15% of cards.

1% All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Other Card Information

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.

Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

INTRO APR FOR PURCHASES 0% for 15 months
INTRO APR FOR BALANCE TRANSFERS 15%
PURCHASES APR 13.99% – 23.99%
BALANCE TRANSFER FEE Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
CASH ADVANCE FEE 5% of each cash advance; $10 minimum
FOREIGN TRANSACTION FEE 3%