Last updated: 10/2/2022

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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${{welcomeBonusAmount | number}}Welcome Bonus

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

Citi Custom Cash℠ Other Cards

Rewards

Show Rewards For:

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Reward Rate = 5x

Value = 1 cent per point
Effective Value = 5 %

Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200

$1700

Annual Fee = $0

$695

Welcome Bonus

$200 Cash Back

After you spend $1,500 in 6 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

5% Your Top Category

1% All Other

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.

Try the Analyzer now

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

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

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

INTRO APR FOR PURCHASES	0% for 15 months
INTRO APR FOR BALANCE TRANSFERS	15%
PURCHASES APR	16.99% – 26.99%
BALANCE TRANSFER FEE	Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
CASH ADVANCE APR	28.24% (Variable)
CASH ADVANCE FEE	5% of each cash advance; $10 minimum
LATE PAYMENTS	Up to $41
FOREIGN TRANSACTION FEE	3%