Citi Custom Cash

By Raquel Oliveira • 02/26/2025

Citi Custom Cash offers 0% introductory APR and no annual fee.

This credit card is a great choice for those seeking a hassle-free rewards system with automatic cashback. Instead of requiring users to select bonus categories, it consistently provides 5% cashback without additional effort or manual activation.

With this feature, cardholders can maximize their earnings without tracking rotating categories or remembering to enroll in promotions. The 5% cashback applies to up to $500 in purchases per billing cycle, ensuring consistent rewards on essential spending.

For individuals who want a straightforward credit card with automatic rewards, no annual fee, and an easy way to earn cashback, this option stands out as a convenient and valuable financial tool.

Tailored Rewards for Everyday Life

This credit card adapts to users’ spending patterns, ensuring that cashback is always maximized in the most frequently used category. This feature eliminates the need to manually track and adjust spending habits.

• Earn 5% cashback on the category where you spend the most each billing cycle, up to $500 in purchases.
• Categories include dining, groceries, travel, streaming services, and more, allowing flexibility in rewards.
• After reaching the $500 cap, purchases in the top category earn 1% cashback for the rest of the billing cycle.
• All other purchases outside the top category automatically earn 1% cashback, ensuring that every transaction provides some benefit.

With these automatic adjustments, the card works efficiently to match individual spending habits, offering maximum value on everyday purchases.

Pros and Cons for Citi Custom Cash

Before applying for this credit card, it is important to evaluate its advantages and potential limitations to determine if it aligns with personal financial goals.

Pros:

• Earn 5% cashback on the highest spending category each billing cycle, up to $500 in purchases.

• No annual fee, making it a cost-effective rewards card.
• 0% introductory APR for 15 months on purchases and balance transfers.

Cons:

• The 5% cashback is limited to one category per billing cycle, restricting the ability to earn higher rewards in multiple areas.

• Foreign transaction fee of 3%, making it less ideal for international use.
• The 5% cashback is capped at $500 per billing cycle, reducing earning potential for higher spenders.

Understanding these factors will help determine whether this card is a good fit for an individual’s spending patterns and financial priorities.

Is the Citi Custom Cash Card Right for You?

This credit card is a great option for individuals who want a simple and automatic way to earn rewards. If you frequently spend in categories like dining, groceries, or travel, this card ensures that you receive higher cashback without manually selecting bonus categories.

For those who prefer a card with no annual fee, this option provides strong cashback benefits without additional costs. Additionally, the introductory 0% APR offer makes it useful for those looking to finance larger purchases or consolidate debt.

For users who prioritize cashback without complicated reward structures, this credit card offers a smart and effortless way to earn rewards.

Why Do We Like This Card?

This credit card stands out because of its automatic category-based rewards system. Unlike other rewards cards that require manual category selection or rotating spending categories.

The lack of an annual fee makes it an appealing choice for budget-conscious consumers who want to earn cashback without additional expenses. Additionally, the introductory 0% APR for 15 months adds extra value, providing flexibility for large purchases or balance transfers.

For those looking for a convenient, adaptable, and rewarding credit card, the card is an excellent choice that fits many spending habits.

Conclusion for this Citi Custom Cash

This credit card is an excellent choice for individuals who want a hassle-free rewards system that adjusts automatically. With 5% cashback on the top spending category and no annual fee, it provides a cost-effective way to earn rewards on everyday purchases.

The introductory 0% APR offer makes it even more appealing, especially for users who need financing for large purchases. However, its foreign transaction fee and spending cap on the 5% cashback category.

For those who want a smart cashback card that simplifies rewards and adapts to spending habits, this credit card is an excellent option.