Citi Custom Cash Card Review: Low-Maintenance 5% Cash Back
The Bottom Line
4.7
This no-fuss, high-earning cash back card is ideal for those who want to earn lucrative rewards for everyday spending with little work.
Rates, fees and offers
Annual fee
$0
Rewards rate
1%-5%
Bonus offer
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro APR
0% intro APR on purchases and balance transfers for 15 months
Ongoing APR
APR: 18.49%-28.49% Variable APR
Cash Advance APR: 29.74%, Variable
Penalty APR: Up to 29.99%, Variable
Balance transfer fee
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Foreign transaction fee
3%
More details from Citibank
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- 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. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
Pros and Cons
Pros
No annual fee
5% bonus categories
Intro APR Period
Cons
Low rate outside bonus categories
Detailed Review
The Citi Custom Cash® Card is a competitive contender in the 5% cash back arena. It earns 5% back in one eligible spend category, on up to $500 each billing cycle, and an unlimited 1% back on other purchases.
What sets the $0-annual-fee card apart from other 5%-back options is the fact that your rewards are automated and adjusted based on your spending habits each billing cycle. Similar cards typically require cardholders to activate bonus categories each quarter. The automated rewards from the Citi Custom Cash® Card can be a big draw for those looking to earn outsized earnings without added effort, but could be a downside for those looking to maximize rewards on every purchase.
While the 5% earning options on the Citi Custom Cash® Card include useful everyday categories like dining and groceries, the $500 cap on those rewards largely limits how much you can earn. And if your spending patterns tend to vary greatly, you may be better off with a more flexible and potentially more lucrative 5% cash back card.
» MORE: Best 5% cash back credit cards
Citi Custom Cash® Card: Basics
Card type: Cash back.
Annual fee: $0.
Sign-up bonus: Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards:
5% cash back on up to $500 spent in your highest spend category per billing cycle (from a list of eligible options, see below).
1% back on other purchases.
Special offer through June 30, 2026: Additional 4% back on on hotels, car rentals, and attractions booked on Citi's travel portal.
Rewards are earned in the form of ThankYou Points, which can be redeemed for cash back as a direct deposit, check or statement credit at a value of 1 cent per point. Other redemption options include gift cards, travel or purchases made on Amazon.com.
Note that points values will vary depending on what you choose to redeem them for. For example, points redeemed for gift cards might yield a value of 1 cent each, while shopping at Amazon.com will get you a value of 0.8 cent per point in some cases.
APR: 0% intro APR on purchases and balance transfers for 15 months, and then the ongoing APR of 18.49%-28.49% Variable APR.
Foreign transaction fee: 3%.
Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater.
Compare to Other Cards
Benefits and Perks
High rewards-earning potential in valuable categories
The Citi Custom Cash® Card earns 5% cash back in your top eligible spending category, on up to $500 each billing cycle (1% back after that). Cardholders can earn this elevated 5% cash back rate in one of 10 fixed bonus categories:
Grocery stores.
Restaurants.
Gas stations.
Streaming services.
Drugstores.
Home improvement stores.
Fitness clubs.
Select travel.
Select transit.
Live entertainment.
The ability to earn lucrative ongoing rewards in broad and useful everyday spending categories makes the Citi Custom Cash® Card especially valuable, especially considering its $0 annual fee.
Some comparable $0-annual-fee, 5% cash back contenders, like the Chase Freedom Flex® and the Discover it® Cash Back, have bonus categories that are chosen by the issuer and that change every three months. The options offered might not be common expense categories for you and therefore might not match up with your spending. (Both of these cards earn 5% cash back on up to $1,500 per quarter in spending in the rotating, issuer-selected categories, and 1% on other spending. To earn the 5%, you have to "activate" or opt into the categories online.)
And while another top 5% cash back card, the U.S. Bank Cash+® Visa Signature® Card, lets you chose your 5% categories, options featured tend to be more narrow and may not yield much everyday value for your spending. (More on this card later.)
Since the Citi Custom Cash® Card earns ThankYou points, you can combine rewards with other Citi cards that also earn ThankYou points. This is especially valuable for travelers who have the Citi Strata Premier℠ Card, since you can then transfer your rewards to all of Citi's airline, hotel and retail transfer partners.
5% rewards on autopilot
With the Citi Custom Cash® Card, in each billing cycle your 5% cash back is automatically adjusted based on your spending in the card’s eligible bonus categories.
For example, if you earn 5% back for restaurant spending in one cycle, but begin to spend more heavily at grocery stores the next billing cycle, your bonus category will automatically adjust. You’ll then earn 5% for every dollar you spend on groceries (until you hit the $500 spending cap each billing cycle) and 1% per dollar on all other non-bonus category spending.
Compared with most other 5% bonus category cards, the Citi Custom Cash® Card is low maintenance. That's because other such cards typically require you to activate your bonus categories, which means you have to remember to activate your rewards every quarter. Additionally, because rewards on many other cards do not automatically adjust each billing cycle, it can be difficult to keep track of how your spending habits may change from one quarter to another.
Generous introductory offers
New cardholders are eligible for the following welcome offer: Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. For a $0-annual-fee card, this bonus can get you a nice chunk of change, if you spend the required minimum.
Additionally, the card comes with a lengthy introductory interest-free offer that is on par with what other 5% cash back cards feature: 0% intro APR on purchases and balance transfers for 15 months, and then the ongoing APR of 18.49%-28.49% Variable APR. This long interest-free window allows you extra time to pay down a large purchase or debts transferred from other cards.
Finally, for a limited time, the card is offering extra cash back on certain travel purchased through Citi. You earn an additional 4% cash back on hotels, car rentals, and attractions — but not airfare — booked on Citi's travel portal.
MORE NERDY PERSPECTIVES
 | This card has become our family's go-to for groceries, but given its unique rewards structure, it could really be a go-to card for a variety of categories. The key is to pick the 5% category that works best for you and stick with it; if it's your grocery store card, use it only for groceries. Otherwise, you're not likely to get the most value possible from it. Kenley Young, editor, credit cards |
 | This is my go-to card for refueling my vehicles. I love road trips and have an RV, so the ability to earn 5% cash back on all my purchases at the pump allows my rewards to stack up fast. Craig Joseph, writer, travel rewards |
Drawbacks and Considerations
Low spending cap for bonus rewards
The Citi Custom Cash® Card earns 5% on up to $500 spent in your highest spend category per billing cycle, then 1% back on all other spending.
If you were to max out the 5% bonus category by spending $500 each billing cycle, you’d earn a meager $25 (excluding the 1% back you can earn thereafter). Plus, if your spending is greatest in a bonus category that lends itself to high monthly spending, such as groceries, it wouldn’t take you much time to hit the card’s bonus cap.
The U.S. Bank Cash+® Visa Signature® Card is a 5% cash-back card that features a more generous spending cap. It earns 5% back on the first $2,000 in combined eligible purchases each quarter in two categories that you choose (see the options below). However, unlike the Citi Custom Cash® Card, cardholders must opt in to bonus categories each quarter to earn the elevated rewards rate. Here's the full list of 5% categories on the U.S. Bank Cash+® Visa Signature® Card:
Full list of 5% categories on the U.S. Bank Cash+
Fast food.
Home utilities.
TV, internet and streaming.
Department stores.
Cell phone providers.
Electronics stores.
Sporting goods stores.
Movie theaters.
Gyms/fitness centers.
Furniture stores.
Ground transportation.
Select clothing stores.
You’re limited to one bonus category
While your 5% earning category can change to reflect your spending habits, you’re limited to earning elevated rewards on just one spending category per billing cycle. And non-bonus category spending will only get you 1%. If your spending typically varies within a one-month period, you won’t earn high rewards for all of it. If you have to pay close attention to how much you're spending in certain categories each month, the card becomes higher maintenance for you in order to maximize your earnings.
There are other 5%-back cards that offer ongoing bonus tiers on additional spending.
The aforementioned U.S. Bank Cash+® Visa Signature® Card, for example, earns 2% cash-back in one "everyday" category of your choice, in addition to the two 5%-back categories you can choose. Similarly, the Chase Freedom Flex® offers 3% back on dining and drugstores, along with the 5% you’ll earn in quarterly bonus categories.
For a predictable and easy card that still gets you a solid cash back rate, consider the Citi Double Cash® Card. It earns a flat rate of 2% back: 1% when you make a purchase and the other 1% when you pay your bill. Or, consider pairing the Citi Custom Cash® Card with the Citi Double Cash® Card. If you plan your spending, you could earn 5% on one top category each cycle and 2% on all other purchases.
To see other credit card offers, check out NerdWallet's best credit cards.
How To Decide If It's Right For You
The Citi Custom Cash® Card stands out among other 5% cash-back cards for its automatically adjusted bonus category. Although cardholders will be able to easily earn high rewards in useful categories like dining and groceries, the billing cycle spending cap limits how much can be earned with the card.
If you’re willing to put in some work to maximize your rewards and increase your spending cap, a different 5% cash back card might be a better option for you.
This card earns 5% back on the first $2,000 in combined eligible purchases each quarter in two categories that you choose, as well as 2% in an "everyday" category you choose and 1% on other spending.
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Methodology
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