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Citi Custom Cash Card

With the Citi Custom Cash Card, you'll earn an impressive 5% cash back on your top eligible spending category each billing cycle, allowing you to maximize rewards where you spend the most.

Citi Custom Cash Card
Source: Citi Custom Cash Card

Introducing the Citi Custom Cash Card, a dynamic credit card that puts you in control of your rewards like never before! This card is all about flexibility and convenience, offering a unique cash back program that automatically adjusts to your spending habits. What’s more, the card has no annual fee, making it a cost-effective choice for everyday use.

Imagine a credit card that adapts to your lifestyle and preferences, offering exciting rewards and benefits tailored to your needs. The Citi Custom Cash Card is not just another card—it’s your personalized cash back companion, designed to make every purchase more rewarding.

Whether you’re a foodie earning cash back on dining, a frequent traveler earning rewards on travel expenses, or a savvy shopper maximizing savings on everyday essentials, this card offers unparalleled versatility and convenience.

Citi Custom Cash Card
Citi Custom Cash
0% APR for 12 months cash back 5%
Access the benefits listed and many others.
APPLY NOW You will be redirected

Earning rewards

The Citi Custom Cash Card offers an exciting and customizable cash back experience that puts you in the driver’s seat of your rewards journey!

Earn an impressive 5% cash back on up to $500 spent in your highest spend category per billing cycle, chosen from a list of eligible options that align with your lifestyle. Whether it’s dining out, groceries, gas, travel, or more, you’ll earn generous rewards where you spend the most. Plus, enjoy 1% cash back on all other purchases, ensuring rewards on every dollar you spend.

But that’s not all—take advantage of a limited-time special offer through June 30, 2025, where you can earn an additional 4% cash back on hotels, car rentals, and attractions booked through Citi’s travel portal. This exclusive offer enhances your travel experiences by providing extra rewards on key expenses.

With no annual fee and versatile rewards that adapt to your spending habits, the Citi Custom Cash Card is your ticket to earning more while enjoying the flexibility and benefits of a top-tier credit card.

Redeeming rewards

The Citi Custom Cash Card offers versatile rewards in the form of ThankYou Points, allowing you to redeem them for various options that suit your preferences.

Earned ThankYou Points can be redeemed for cash back as a direct deposit, check, or statement credit, each valued at 1 cent per point, making it easy to turn your points into real savings. Alternatively, explore other redemption options such as gift cards, travel bookings, or purchases on, offering different point values depending on your choice.

It’s important to note that the value of your ThankYou Points may vary based on the redemption option selected. For instance, redeeming points for gift cards typically yields a value of 1 cent per point, ensuring maximum value for your rewards. Meanwhile, using points for purchases on may result in a value of 0.8 cent per point in some cases.

With flexible redemption options and varying point values, the Citi Custom Cash Card empowers you to make the most out of your rewards, whether you prefer immediate cash back or exciting shopping and travel experiences.

Special Advantages and Benefits

  • No Annual Fee: Enjoy the benefits of the Citi Custom Cash Card without paying an annual fee, making it a cost-effective option for everyday use.
  • Digital Wallet Compatibility: Use your Citi Custom Cash Card with digital wallets like Apple Pay and Google Pay for convenient and secure mobile payments.
  • Contactless Payments: Enjoy the convenience and security of contactless payments with your Citi Custom Cash Card, allowing for quick and easy transactions at participating merchants.
  • Travel Benefits: Some variations of the Citi Custom Cash Card may offer additional travel benefits, such as travel accident insurance, rental car insurance, and access to special travel offers.
  • Fraud Protection: Benefit from Citi’s robust fraud protection measures, including zero liability for unauthorized transactions, providing peace of mind when using your card.
Citi Custom Cash Card
Source: Citi Custom Cash Card
  • Earn $200 Cash Back: Imagine getting $200 back in your pocket just by using your card for everyday expenses. With the CITI CUSTOM CASH CARD, this dream becomes a reality. You can earn $200 cash back after spending $1,500 on purchases within the first 6 months of opening your account. It’s like a welcome gift that keeps on giving!
  • No Need to Enroll: Unlike some cards that require you to sign up for rotating bonus categories, the CITI CUSTOM CASH CARD adapts automatically to your spending. No need to keep track or enroll in specific categories – it’s all done for you.
  • Advantage Citi: Advantage List also has a voice-recognition feature which works with its data engines to recognise certain keywords in the order you submitted to purchase items. The Custom Cash card makes this integration seamless with automated service before any work is done or any meeting need to be scheduled between humans and Virtual Assistants.
  • Low Intro APR: Enjoy a 0% Intro APR for 15 months on both purchases and balance transfers. After that, the variable APR ranges from 19.24% to 29.24%, depending on your creditworthiness.

Qualification Requirements

To qualify for the CITI CUSTOM CASH CARD, you’ll need to meet the necessary criteria, including creditworthiness. It’s important to note that Citi will only issue one Citi Custom Cash Card account per person. Additionally, to be eligible for the $200 cash back bonus, you must not have received a bonus offer for opening a new Citi Custom Cash® Card in the past 48 months.

How to Apply

  1. Visit the official Citi website or speak with a Citi representative to learn more about the card’s details and eligibility requirements.
  2. Once you’re ready, click on the “Apply Now” button to start your application.
  3. Fill in the required information, including personal details, financial information, and contact information.
  4. Review your application and submit it.
  5. Wait for the approval decision. If approved, your CITI CUSTOM CASH CARD will be on its way to you.

FAQs (Frequently Asked Questions)

Can I earn cash back on all my purchases with the CITI CUSTOM CASH CARD?

  • You can earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. For all other purchases, you’ll earn 1% cash back.

What are the eligible spend categories for 5% cash back?

  • Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

Is there an annual fee for the CITI CUSTOM CASH CARD?

  • No, this card comes with no annual fee, making it a cost-effective choice.

How can I redeem my cash back rewards?

  • You can redeem your rewards as a statement credit, direct deposit, or a check. Additionally, you have the option to use your points for gift cards, travel, and shopping at

Citi Custom Cash Card
Citi Custom Cash
0% APR for 12 months cash back 5%
Access the benefits listed and many others.
APPLY NOW You will be redirected

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.