Citi Custom Cash Card
Citibank · Reward Points · Reward Points
This comprehensive guide covers the Citi Custom Cash Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Citi Custom Cash Card from Citibank offers reward points rewards redeemable as reward points. Top earning categories include 5% cash back on your top eligible spending category each billing cycle and more. This card has no annual fee.
Best for: Grocery, Dining, Fuel, Transit
Official product page → Official rules →
Annual fee: $0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 5 pts/$100 5% cash back on your top eligible spending category each billing cycle (cap: $500)
- 1 pts/$100 1% cash back on all other purchases
Important Notes
- Top category is automatically determined each billing cycle — no need to select.
- 5% earn capped at $500 spend per month in the top category (then 1%).
- Rewards are ThankYou Points; can combine with Citi Strata Premier for travel transfers.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Citi Custom Cash Card vs Similar Cards
- Citi Double Cash Card — 2% top rate · $0
- Citi Strata Premier — Reward Points · $95
Maximize Your Rewards
To earn the highest rewards, use the Citi Custom Cash Card for its bonus categories: Grocery, Dining, Fuel, Transit, Travel.