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0%Earn more where you naturally spend with the Citi Custom Cash Card — no tracking, no rotating categories, no extra steps.
If your monthly expenses shift between groceries, dining, gas, or streaming, this card was built for that flexibility. Instead of making you pick bonus categories or remember activation deadlines, it automatically identifies your highest eligible spending category each billing cycle and applies elevated rewards. With no annual fee and a competitive introductory APR offer, it delivers consistent value whether you’re covering daily essentials or planning larger purchases.
How It Compares in Today’s Cashback Market
Many cashback credit cards require quarterly enrollment, manual category selection, or spending caps that demand close monitoring. The Citi Custom Cash Card simplifies that process entirely. Issued by Citibank, a long-established financial institution, this card aligns with your real-world spending habits. One month your largest expense may be restaurants; the next month it might be gas or groceries. The system adjusts automatically, ensuring your rewards reflect your lifestyle without extra effort.
Where It Fits Among Common Card Types
Cashback Credit Cards
These cards reward routine purchases with straightforward redemption options. Citi Custom Cash stands out by automatically assigning 5% cashback to your top eligible category each month — no activation needed.
Travel Rewards Cards
Ideal for frequent flyers and hotel loyalists, but often tied to annual fees and complex redemption systems. Citi Custom Cash prioritizes simplicity and everyday practicality.
Balance Transfer Cards
Designed to reduce interest costs with extended introductory APR periods. Citi Custom Cash combines this benefit with ongoing cashback rewards.
Student Credit Cards
Typically offer smaller limits and basic rewards. After establishing credit, Citi Custom Cash can serve as a natural upgrade.
Secured Credit Cards
Require a refundable deposit and focus on rebuilding credit. Citi Custom Cash is unsecured and geared toward applicants with established credit profiles.
Core Benefits of the Citi Custom Cash Card
5% Cashback in Your Highest Eligible Category
Every billing cycle, you earn 5% cashback on up to $500 spent in your top eligible category. Categories include restaurants, grocery stores, gas stations, transit, select travel, streaming services, and more. There’s no need to enroll or manually rotate selections — the card does the work for you.
1% Cashback on All Other Purchases
Spending outside your highest category still earns unlimited 1% cashback, ensuring every purchase contributes to your rewards total.
No Annual Fee
The Citi Custom Cash Card charges $0 in annual fees, allowing you to maximize rewards without offsetting costs.
Introductory 0% APR Offer
New cardholders receive 0% APR for 15 months on purchases and balance transfers. After the promotional period, a variable APR between 19.24% and 29.24% applies based on creditworthiness. This feature can help finance large purchases or consolidate balances strategically.
Digital Tools and Account Management
Citi provides a robust mobile experience through its app and online portal. Cardholders can monitor spending patterns, redeem cashback, view statements, set up payment reminders, and access their FICO® score. Real-time alerts keep you informed of account activity, and you can lock or unlock your card instantly if needed.
The card supports Apple Pay®, Google Pay™, Samsung Pay™, and contactless payments, allowing secure transactions both in-store and online.
Built-In Security Features
Security remains a priority. Citi includes Zero Liability Protection for unauthorized transactions, EMV chip technology for secure checkout, continuous fraud monitoring, and instant transaction notifications. These features operate quietly in the background to help protect your account at all times.
Key Terms to Know
Intro APR: 0% for 15 months on purchases and balance transfers
Regular APR: 19.24%–29.24% variable
Balance Transfer Fee: $5 or 5% of each transfer
Annual Fee: $0
Foreign Transaction Fee: 3%
Tip: Paying off transferred balances before the promotional period ends helps avoid interest charges.
How to Apply
Applying is straightforward. Visit Citi’s official website, complete the secure online application with your personal and financial information, and submit for review. Many applicants receive a decision within minutes. Once approved and the card arrives, you can activate it and begin earning rewards immediately.
Final Perspective
The Citi Custom Cash Card adapts to how you spend instead of forcing you to adjust your habits. If you want automatic rewards, zero annual fee, and flexible financing options, this card delivers consistent value without added complexity.
Ready to start earning smarter? Click the button below and apply now to see if you qualify for the Citi Custom Cash Card today.