The Citi Custom Cash Card is the refreshingly simple and powerful solution designed for people who want maximum rewards with minimum effort. This card does the work for you, automatically adapting to your life and your spending habits each and every month.
Get ready to experience one of the most innovative and user-friendly cash back cards available. The Citi Custom Cash Card is built on a brilliant premise: it automatically identifies your top spending category each month and gives you a huge 5% cash back on it. Whether you spend the most on groceries one month or gas the next, you’re always earning the top reward without any extra work. With a fantastic welcome bonus, a long 0% interest period, and no annual fee, this card is the effortless way to make sure you’re always getting the most back from your money.
A Suite of Benefits Designed for Simplicity and Value
- Automatic 5% Cash Back on Your Top Spending Category: This is the card’s most brilliant feature. You will automatically earn 5% cash back on the first $500 you spend in your highest eligible spending category each billing cycle. You do not need to enroll, activate, or choose anything. The system does it all for you.
- A Wide Range of Eligible 5% Categories: The list of categories where you can earn 5% is extensive and covers most people’s everyday spending. It includes:
- Restaurants
- Gas Stations
- Grocery Stores
- Select Travel (including airlines and hotels)
- Select Transit (including rideshares and subways)
- Select Streaming Services
- Drugstores
- Home Improvement Stores
- Fitness Clubs
- Live Entertainment
- Unlimited 1% Cash Back on Everything Else: For all purchases that fall outside of your top spending category for the month, you will earn a dependable and unlimited 1% cash back.
- A Great $200 Welcome Bonus: Get a fantastic start with a $200 cash back bonus after you spend $1,500 on purchases in your first 6 months. This is a very achievable spending requirement for a great bonus.
- $0 Annual Fee, Always: You get to enjoy this card’s powerful and adaptive rewards structure without ever having to pay an annual fee.
- A Long 0% Introductory APR Period: The card provides a 0% introductory APR for 15 months on both new purchases and balance transfers. This gives you a wonderful, interest-free window to finance a large purchase or pay down existing debt. After that, a variable APR applies.
- Easy and Flexible Rewards Redemption: Your cash back is earned as Citi ThankYou® Points, which are easy to redeem. You can get your rewards as a direct deposit, a check in the mail, or as a statement credit to lower your monthly bill.
- Citi® Entertainment Access: As a cardholder, you get special access to purchase tickets for thousands of events, including concert presales, sporting events, and unique dining experiences.
Who Can Apply: Eligibility Criteria
This card is designed for U.S. residents with a solid credit history.
- Credit Score: A good to excellent credit score is recommended (typically a FICO score of 670 or higher).
- Age and Residency: You must be at least 18 years old and a U.S. resident with a valid U.S. address.
- Identification: A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is required.
- Income: You will need to have a stable source of income.
How to Apply: A Simple, Straightforward Process
Applying for the Citi Custom Cash® Card is an easy online process.
- Visit the Citi Website: Navigate to the official product page for the Citi Custom Cash® Card.
- Check for Prequalified Offers (Recommended): Citi’s website has a tool that allows you to see if you are pre-qualified for card offers with no impact on your credit score. This is a smart and risk-free way to check your approval odds first.
- Complete the Application: Fill out the secure online application with your personal and financial information.
- Review the Terms and Conditions: Before submitting, carefully read the card’s official terms, rates, and fees.
- Submit and Get a Quick Decision: You will often receive a decision from Citi within a few minutes.
Frequently Asked Questions
- Do I really not have to do anything to get the 5% cash back?
That is correct. It is completely automatic. You just use your card for your normal spending. At the end of each billing cycle, Citi’s system looks at all your purchases, identifies which eligible category you spent the most in, and automatically gives you the 5% cash back on those purchases (up to the $500 spending cap). - What happens if my top spending category changes from one month to the next?
That is the best part about the card’s flexibility. The card automatically adapts. If you spend the most at grocery stores in March, you’ll earn 5% on groceries. If you then take a road trip and spend the most at gas stations in April, you’ll automatically earn 5% on gas for that month. - Is the $500 monthly spending cap on the 5% category a big deal?
For most people, it is a very reasonable limit. It allows you to earn up to $25 in cash back from the 5% category each month ($300 per year). If you are a very high spender in one category, you will still earn 1% on any spending above the $500 cap. - How easy is it to get my cash back rewards?
It’s very simple. Once you have earned at least $5 in cash back (or 500 ThankYou® Points), you can redeem it. You can request a statement credit, a direct deposit to your bank account, or a check. The process is quick and easy through your online account.
