How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Citi Custom Cash® Card Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.4
Citi Custom Cash<sup>®</sup> Card
Sign-Up Bonus
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
Intro APR
0% intro APR for 15 months on Purchases and balance transfers, then 19.24% - 29.24% (Variable)
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Citi is an advertising partner.

Who is the Citi Custom Cash® Card best for?

Imagine a cash back card that rewards you for those purchases you make most frequently automatically, without you having to opt into a cash back category or trying to remember which card to use that will maximize the amount of cash back you earn.

Citi did just that with its Citi Custom Cash® Card. The card offers a unique cash back program: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. Those categories include restaurants, gas stations, grocery stores, drugstores, home improvement stores, fitness clubs, live entertainment and select streaming services, travel and transit purchases.

With its intro APR on purchases and balance transfers, sign-up bonus and $0 annual fee, the Citi Custom Cash® Card is definitely a game-changer in the world of cash back credit cards.

Citi Custom Cash® Card overview

    • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
    • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
    • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
    • No Annual Fee
    • Citi will only issue one Citi Custom Cash® Card account per person.
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 600 660 720 850
    Fair/Good/Excellent
  • Fraud protection

Intro Purchase APR

0% intro APR for 15 months on Purchases

Regular Purchase APR

19.24% - 29.24% (Variable)

Intro BT APR

0% intro APR for 15 months on Balance Transfers

Regular BT APR

19.24% - 29.24% (Variable)

Annual Fee

$0

Cash Advance Fee

5% of each cash advance; $10 minimum

Foreign Transaction Fee

3%

Balance Transfer Fee

5% of each balance transfer; $5 minimum.

Pros and cons of the Citi Custom Cash® Card

Pros

  • $0 annual fee
  • Intro APR for purchases and balance transfers
  • Cash back automatically based on spending
  • Sign-up bonus
  • Easy points redemption options

Cons

  • $500 limit for highest cash back rate each billing cycle
  • No travel protections
  • Balance transfer fee
  • Potentially high APR
  • 3% foreign transaction fee

What we like about the Citi Custom Cash® Card

  • Cash back tailored to your spending

    Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

    The 5% cash back categories and what purchases qualify within those categories are as follows:

    Restaurant purchases include those made at cafes, bars, lounges and fast food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third party dining delivery services.

    Gas purchases excludes those made at  warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.

    Grocery store purchases include supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.

    Travel purchases only include airline, hotel, cruise line and travel agency charges.

    Transit includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals. Excludes bike/scooter rentals, auto clubs and insurance companies.

    Select streaming services includes the following cable, satellite, and streaming providers: Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.

    Drugstores include pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store and pharmacy merchant category code.

    Home improvement stores include home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores.

    Fitness clubs include membership fee and other purchases at athletic, sports and recreation facilities requiring membership such as health, tennis, and swimming clubs. Excludes fees associated with virtual services for home exercise equipment, personal monitoring devices, or fitness streaming classes.

    Live entertainment includes ticket purchases for live entertainment, such as: concerts, live sporting events, live theatrical productions, amusement parks, and orchestras.

  • Intro APR on purchases and balance transfers

    The Citi Custom Cash® Card offers the following intro APR promotions:

    • 0% intro APR for 15 months on Purchases, then an APR of 19.24% - 29.24% (variable)
    • 0% intro APR for 15 months on Balance Transfers, then an APR of 19.24% - 29.24% (variable)

    If you choose to do a balance transfer, know that there is a fee involved: 5% of each balance transfer; $5 minimum.

  • Sign-up bonus

    While the spending you’ll need to do on the card to qualify for the sign-up bonus is a bit higher than other cash back cards, know that the timeframe you have to reach the spend requirement is much longer: Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

  • Easy cash back redemption options

    The rewards you earn will be in the form of Citi ThankYou® Points, which can be redeemed for cash back, gift cards, travel and more.

What to watch out for with the Citi Custom Cash® Card

  • $500 limit on higher cash back rate each billing cycle

    Citi Custom Cash® Card cardholders are limited to earning the higher cash back rate on only $500 in purchases each billing cycle. After hitting that cap, spending will be reduced to the lower 1% cash back rate. So, the most you can earn at the higher rate each month is $25, or $300 a year, not including what you earn on other purchases.

  • Potentially high APR

    The APR range for the Citi Custom Cash® Card is 19.24% - 29.24% (variable). Depending on your creditworthiness and additional factors, such as income and debt load, you may find yourself approved at the higher rate. Either way, you can avoid interest charges if you pay off your entire balance in full every month.

  • Fees

    The Citi Custom Cash® Card may have a $0 annual fee, but know it’s not fee-free.

    You’ll pay 3% when using the card for overseas purchases and if you choose to do a balance transfer with the card, you’ll incur a fee of 5% of each balance transfer; $5 minimum.

  • Limited benefits

    While many cards tout a wide array of benefits, such as cellphone and rental car insurance, and purchase and extended warranty protection, the Citi Custom Cash® Card does not currently offer much in the way of card benefits.

Alternate cash back card to the Citi Custom Cash® Card

Compare it to the Chase Freedom Flex℠

| Disclosures
Chase Freedom Flex℠*
Chase Freedom Flex℠
Learn More
on Chase's secure site
0% intro APR on purchases for 15 months
20.49% - 29.24% variable
$0
5% cash back on up to $1,500 in combined purchases in bonus
  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
660 720 850
Good/Excellent
*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

While the Chase Freedom Flex℠ does require cardholders to opt into quarterly cash back categories to earn the higher 5% rate, it has a more generous ongoing rewards program for travel, dining and drugstores: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

The Chase Freedom Flex℠ offers 0% intro APR on purchases for 15 months, after which an APR of 20.49% - 29.24% variable will apply.

There is also a 0% intro APR on balance transfers for 15 months. After, the regular APR will be 20.49% - 29.24% variable. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater.

The Chase Freedom Flex℠ comes with a $0 annual fee and an easier-to-earn sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

What makes the Chase Freedom Flex℠ a cut above the Citi Custom Cash® Card is its more expansive benefits, including:

  • Auto rental collision damage waiver (secondary coverage)
  • Trip cancellation/trip interruption insurance
  • Travel and emergency assistance services
  • Extended warranty
  • Purchase protection

As with the Citi Custom Cash® Card, the Chase Freedom Flex℠ also charges a foreign transaction fee of 3% of each transaction in U.S. dollars on purchases made abroad.

But given the more enhanced rewards structure, you may find you can earn more cash back with the Chase Freedom Flex℠ than the Citi Custom Cash® Card, but it does involve a little more effort to keep track of opting into the higher cash back categories each quarter.

Is the Citi Custom Cash® Card right for you?

The Citi Custom Cash® Card is designed for consumers who are looking for a cash back card that doesn’t require a lot of maintenance or forethought as it automatically adjusts to your spending habits — as long as that spending fits within the card’s 10 categories.

Citi will determine your highest spend for purchases posted to your account during each billing cycle and assign the cash back amount according to the type of purchases you make. However, know that the max you will reap from spending in the 5% categories is limited to $25 a month, or $300 a year.

However, when combining the intro APR purchase deal and the sign-up bonus, this could be a great card to make a large purchase with and pay it off over time.

apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees