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Citi Custom Cash® Card


Image of the Citi Custom Cash CardImage: Image of the Citi Custom Cash Card

257 reviews from Intuit Credit Karma members


Rating: 2.4 out of 5.
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Great for flexible cash back

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Annual fee: $0

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

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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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43 years

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

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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.

Card highlights

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Hassle-free bonus cash back rewards

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Generous introductory APR offers

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Multiple ways to redeem points

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

Updated August 15, 2023

This date may not reflect recent changes in individual terms.

Written by: Clint Proctor



5 things you should know about the Citi Custom Cash® Card

The Citi Custom Cash® Card offers simplicity of use with a 5% earnings potential that’s typically reserved for rotating bonus cards.

If you’re considering this card, here are five things you should know.

1. 5% cash back on autopilot

With the Citi Custom Cash® Card, you don’t have to worry about tracking bonus categories or stopping at specific stores to earn ThankYou® Points.

Instead, you’ll earn 5% cash back on whichever eligible spending category was your highest during your monthly billing period — on up to the first $500 spent. Eligible 5% bonus categories include restaurants, gas stations, grocery stores, drugstores, home improvement stores, select travel and transit, gyms and entertainment. You’ll earn unlimited 1% cash back on all purchases, as well as on purchases in your bonus category after you’ve hit the spending cap.

2. Introductory APR and welcome bonus offers

You’ll receive an intro 0% APR on purchases for the first 15 months from account opening, and on balance transfers for 15 months from the date of your first balance transfer. That could come in handy if you’re looking to finance a large, one-time purchase in addition to earning ongoing cash back.

To qualify for the intro rate, balance transfers must be completed within four months of account opening. And you’ll have to pay a balance transfer fee of 5% (minimum $5).

After the introductory period, the variable APR for both purchases and balance transfers rises to a variable 19.24% - 29.24%.

New cardholders may also qualify for a $200 cash back sign-up bonus after spending at least $1,500 on purchases within the first 6 months with the card.

3. Flexible redemption options

There are multiple ways you can redeem the ThankYou Points you earn with Citi Custom Cash® Card, including for gift cards, travel or shopping with points at retailers like Amazon.com. You can also redeem your points for cash through direct deposit, check or a statement credit. There are no minimum redemptions when you choose cash redemption through direct deposit or statement credit.

4. No annual fee

Like some other cash back cards, Citi Custom Cash® Card doesn’t charge an annual fee. But there’s a 3% foreign transaction fee. So if you do a lot of traveling abroad, you may want to look for a different rewards card.

5. No unlimited bonus categories

A couple of other cash back cards offer unlimited cash back categories on top of rotating quarterly bonus categories, but you won’t find that with the Citi Custom Cash® Card.

Instead, every purchase outside of your single bonus category each billing cycle earns just 1%. This means that your maximum cash back at the bonus rate will be capped at $25 per month and $75 per quarter.

Other card details to know

The Citi Custom Cash® Card doesn’t come with extra perks, but here are a couple of other things worth noting.

Who this card is good for

The Citi Custom Cash® Card could be a solid option if you don’t want to spend time tracking bonus categories and are looking for a straightforward way to earn up to $300 in bonus cash per year. But if you’re looking to maximize the amount of cash you can earn through unlimited bonus categories, other cards may have the potential to be more valuable.

Member reviews

Overall rating:


Rating: 2.4 out of 5.

257 reviews from Intuit Credit Karma members

Most helpful positive review

March 23, 2023


Rating: 5 out of 5.


Credit Karma Member

Go to the pre approval website quit using credit karma's predictions what is you people's problem lol

Most helpful negative review

February 8, 2023


Rating: 1 out of 5.

Was good until...

Credit Karma Member

They closed my account after 5 months. Used and paid several thousand every month. Cancelled without explanation or remedy. Only P.O. box in SD to send a letter to find out the reason. Left with a low balance and no reward points. They say I can reapply which includes another hard inquiry. No thank you. I am forced to advise anyone reading this to skip this card.

All member reviews