Citi Custom Cash

The Citi Custom Cash Card offers tailor-made cashback, adapting automatically to your highest spending category each month.

This ensures you maximize rewards effortlessly without manually tracking categories or activating rotating bonuses.

Credit Card

Citi Custom Cash

1% on all other purchases No annual fee

5% cash back on your top eligible spend category.

How to Apply You will remain on this website.

Unlike traditional cards with fixed rates or predefined categories, this one automatically grants 5% cashback on your top eligible spending category, up to $500 per month, guaranteeing the best return without extra effort.

For those seeking flexibility and control, the Citi Custom Cash℠ Card adjusts to spending habits, making it easier to earn rewards while eliminating the hassle of monitoring rotating categories or meeting complex requirements.

Tailor Your Rewards to Fit Your Spending with 5% Cashback

One of the biggest advantages of a credit card is the possibility of choosing the 5% cashback category. Which makes the card extremely advantageous for those with specific consumption habits. 

If you have a habit of spending a lot at supermarkets, for example, you can choose this category and accumulate cashback in an optimized way. 

This also applies to other areas, such as restaurants, travel or pharmacies, and the choice is made simply in the bank’s application. Common $500 limits per month for the 5% category, you can earn up to $25 cashback in a month, just in a category you chose. 

Pros and Cons

Pros

• 5% cashback on your highest spending category
• No annual fee
• 1% on all other purchases

Cons

• 5% cashback limit is $500 per month
• Limited rewards for categories
• Need for monthly category management

How do I know if the Citi Custom Cash is the best credit card for me?

The Citi Custom Cash is ideal for those looking for flexibility in the accumulation of rewards. Therefore, if you have variable expenses and would like to choose where to earn more cashback, this card is the perfect choice. 

It is particularly advantageous for people who spend in specific categories and want to achieve maximum rewards in these areas.

However, if you are willing to commit to choosing the category to take advantage of the 5% cashback, this card can be extremely advantageous, especially considering the sign up bonus and others annual fee exemption.

Why do we like this card Citi Custom Cash?

The Citi Custom Cash Card stands out primarily for its flexibility. The ability to earn 5% cashback in a category that adapts to your spending habits ensures users maximize their rewards effortlessly, without complicated rotating categories or restrictions.

Another major advantage is the exemption from annual fees, making this card accessible for those who want solid cashback benefits without extra costs.

Additionally, the flexibility to redeem cashback as statement credits or Citi ThankYou points adds even more value. Cardholders can optimize their rewards, whether by reducing their balance or transferring points for additional travel perks.