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3. Citi Custom Cash® Card review: Simple and flexible 5% cash back

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290

reviews

2.4

Rating: 2.4 out of 5.

Editors’ Take: This card will reward you with cash back that automatically adjusts to your top spending category each billing cycle. There’s no annual fee, but cash-back rewards are capped.

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Great for flexible cash back

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Annual fee: $0

The average credit score for members who have matched with this card or similar cards is 690

The average credit limit for members who have matched with this card or similar cards is $6,192

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Citi Custom Cash® Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $6,192, with $3,000 being the most common.

Here’s the average credit score of members who matched their Citi Custom Cash® Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 690, with 760 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

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34.1%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

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45 years

Average age of members who matched this card or similar cards.

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$89,694

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Simple cash back rewards

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Good intro purchase APR and intro balance transfer APR offers

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$0 annual fee

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Earning caps on bonus categories

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Foreign transaction fee

Citi Custom Cash® Card review

Updated October 22, 2025

This date may not reflect recent changes in individual terms.

Written by: Clint Proctor

Is the Citi Custom Cash® Card worth it?

The Citi Custom Cash® Card automatically rewards you based on your top spending category each billing cycle, minimizing how much effort you put into earning rewards. You can earn rewards without needing to track or strategize purchases across multiple categories.

There’s also no annual fee to eat into your cash back earnings.

But if your main goal is maximizing cash back, other cards could provide greater value since the 5% cash back rate for your top bonus category comes with a spending cap.

Citi Custom Cash® Card at a glance

• Annual fee: $0
• Sign-up bonus: $200 cash back after spending at least $1,500 on purchases within the first 6 months of account opening
• Best rewards rate: 5% cash back on your top spending category (on up to the first $500 spent per billing cycle), then 1%
• Baseline rewards rate: 1% cash back on all other purchases

Citi Custom Cash® Card best perks and features

No-effort 5% cash back in your top category

Earning rewards with Citi Custom Cash® Card is simple: You’ll automatically get 5% cash back on whichever of the eligible spending categories you use the most each billing cycle, on up to $500 in spending. This means you don’t need to keep track of different bonus categories or activate offers.

Eligible 5% bonus categories include …

• Drugstores 
• Gas stations
• Grocery stores
• Gyms
• Home improvement stores
• Live entertainment
• Restaurants
• Select streaming services
• Transit
• Travel

For all other purchases — and spending in your top category above the $500 limit — you’ll earn 1% cash back.

Strong intro APR offers

The Citi Custom Cash® Card offers a 0% intro APR on purchases and balance transfers for the first 15 months from account opening. After that, there’s a variable APR of 17.99% to 27.99% on both purchases and balance transfers. To take advantage of the intro balance transfer rate, you’ll need to complete any balance transfers within the first four months of account opening. The card has a balance transfer fee of 5% (minimum $5).

If you’re looking to consolidate debt or need to make a major purchase, this card may be worth a look. But take note: When the intro APRs expire, you’ll accrue interest on any remaining balances.

$0 annual fee

The Citi Custom Cash® Card doesn’t have an annual fee, so the rewards you earn have immediate and tangible value. A $0 annual fee paired with a hands-off rewards-earning structure make this no-fuss cash back card a good fit for everyday spending.

What are the drawbacks of Citi Custom Cash® Card?

Earning caps on bonus categories

The Citi Custom Cash® Card limits the 5% cash back earnings to your top eligible spending category each month to $500 in spending per billing cycle. Purchases outside of this single bonus category earn 1% cash back. This structure means the maximum cash back you can earn at the 5% bonus rate is $25 per month.

Foreign transaction fee

The Citi Custom Cash® Card charges a 3% foreign transaction fee. So if you do a lot of traveling abroad, you may want to look for a different card.

How to redeem points for Citi Custom Cash® Card

Cash back is earned in the form of ThankYou® points. You can redeem your Citi ThankYou Points in several ways: for gift cards, for travel or to shop with points at retailers like Amazon. You also have the option to redeem points for cash as a direct deposit, check or statement credit.

Other cards to consider

• Discover it® Cash Back: This card’s Cashback Match feature can make for a rewarding first year.
• U.S. Bank Cash+® Visa Signature® Card: This card could be a good fit if you’re willing to put in some more work tracking your spending categories.
• Chase Freedom Flex®: This card might be worth a look if you find value in ongoing rewards for dining and drugstore purchases.

Looking at these aspects of the card helps us determine whether we’d recommend it to our members.

FAQs about Citi Custom Cash® Card