Unlock Financial Freedom with the Citi Custom Cash® Card

The Citi Custom Cash® Card delivers a unique and intelligent cash back experience, perfectly suited for individuals who want their credit card to adapt to their spending habits. With no annual fee and an automatic 5% cash back on your highest eligible spending category each billing cycle (up to $500), this card ensures you’re always earning more where it matters most.

Why Choose the Citi Custom Cash® Card?

If you’re looking for a card that rewards your real-life spending patterns, the Citi Custom Cash® Card is built for you. Its automated rewards structure tracks your purchases and gives you 5% cash back on the category where you spend the most each month — whether that’s groceries, gas, dining, travel, or another eligible category.

You also earn 1% cash back on all other purchases, making it a great all-around card for everyday use.

Pros of the Citi Custom Cash® Card

• 5% Cash Back on Your Top Spending Category
  Automatically earn 5% back on your highest eligible category each billing cycle, up to $500 in purchases.

• 1% Cash Back on All Other Purchases
  Keep earning on everything else, with no minimums or activation required.

• 0% Intro APR for 15 Months
  Pay no interest on purchases and balance transfers for the first 15 months. After that, a variable APR applies.

• No Annual Fee
  Enjoy all the card’s features without paying a yearly fee.

Cons to Consider

• $500 Monthly Cap on 5% Rewards
  The 5% rate only applies to the first $500 spent in your top category each billing cycle; after that, you’ll earn 1%.

• 3% Foreign Transaction Fee
  A 3% fee applies to purchases made outside the U.S., which may not be ideal for frequent international travelers.

How to Apply for the Citi Custom Cash® Card

Ready to earn personalized cash back? Here’s how to get started:

1. Visit the official Citi website

2. Navigate to the Custom Cash® Card application page

3. Click “Apply Now”

4. Complete the form with your personal and financial information

5. Submit your application and receive a decision, often within minutes

Once approved, your card will be mailed, and you can start earning rewards that automatically adjust to your lifestyle.

Start Earning Smarter Today

With the Citi Custom Cash® Card, you don’t have to chase rewards — the rewards come to you. Whether you’re spending on gas, dining, groceries, or streaming services, this card helps you maximize your earnings every month without the hassle of category selection or enrollment.

Apply today and experience cash back that’s as dynamic as your life.