Citi Custom Cash® – Personalized Rewards That Work for You

In today’s fast-paced world, the way you spend changes from month to month. Some months are about groceries and gas; others revolve around dining out, streaming services, or travel. Wouldn’t it be great if your credit card could keep up with those changes—automatically?

That’s exactly what the Citi Custom Cash® Card was designed to do. It’s one of the most flexible cash-back cards on the market, adjusting dynamically to your spending patterns. Each billing cycle, you’ll earn 5% cash back on your top eligible spending category (up to $500), then 1% unlimited cash back on all other purchases.

It’s effortless, fair, and rewarding. Add Citi’s no annual fee, powerful digital account tools, and strong security protections, and you get a modern credit card that’s built around your real-life spending habits—not the other way around.

Benefits of the CITI CUSTOM CASH® CARD

• Automatic Cash Back Without Category Tracking

The Citi Custom Cash® Card automatically identifies your highest eligible spending category each month and gives you 5% cash back—no manual setup, no rotating lists.

This benefit takes the complexity out of earning rewards. Whether you spend most on groceries, restaurants, or gas, your card adapts. That flexibility is ideal for busy consumers who want top-tier rewards without managing multiple cards or programs.

• Unlimited 1% Cash Back on All Other Purchases

While the 5% applies to your top spending area, you’ll also earn 1% cash back on everything else. This ensures that every purchase contributes to your rewards—no wasted spending.

It’s perfect for building consistent value month after month, especially for those who use their credit card for both essentials and lifestyle purchases.

• No Annual Fee—Keep More of What You Earn

The Citi Custom Cash® Card has no annual fee, which means you can keep all your rewards without worrying about offsetting costs.

This makes it a great long-term card for anyone looking to build rewards without added expenses. You can maximize your cash back year-round without paying to keep the card active.

• Introductory APR and Balance Transfer Offers

New cardholders may also qualify for a low introductory APR on purchases and balance transfers for a limited time. This can be a major advantage for those looking to consolidate debt or finance larger purchases.

It provides breathing room while you earn rewards, combining flexibility with financial practicality.

• Seamless Digital Experience

Citi’s mobile and online banking tools let you manage your card effortlessly. You can view transactions, track spending categories, lock your card, and redeem rewards instantly—all through the Citi Mobile® App or website.

For a generation that values speed and convenience, this digital experience makes managing credit easier than ever.

The Strengths That Set the Card Apart

The Citi Custom Cash® Card stands out because of its adaptive rewards model. Many credit cards require you to manually choose categories or activate bonuses each quarter. Here, everything happens automatically.

That means no deadlines, no fine print, and no missed opportunities. The system rewards your natural spending behavior, ensuring you always earn where you spend most.

The simplicity of this model—combined with Citi’s trusted service—creates a frictionless experience for consumers seeking reliable value.

Potential Savings and Advantages for Cardholders

By optimizing your spending with the Citi Custom Cash® Card, you can unlock meaningful savings over time.

Let’s break it down with an example:

Annual Spending	5% Category Earnings	1% on All Other Purchases	Estimated Annual Cash Back
$6,000	≈ $300	≈ $60	≈ $360
$12,000	≈ $600	≈ $120	≈ $720
$20,000	≈ $1,000	≈ $200	≈ $1,200

For everyday consumers, those savings can translate into extra money for vacations, bills, or emergency funds—all without any extra effort.

Added Security for Peace of Mind

Security is at the heart of every Citi product. With the Citi Custom Cash® Card, you’re protected by:

• Zero-liability coverage for unauthorized charges
• 24/7 fraud monitoring for suspicious activity
• Instant card lock/unlock through the Citi app
• EMV chip and contactless payment for safe transactions

These protections ensure that your rewards aren’t the only thing that matters—your security is equally prioritized.

Eligibility Criteria

To apply for the Citi Custom Cash® Card, applicants typically need:

• A good-to-excellent credit score (700+ range preferred)
• Proof of stable income to meet monthly obligations
• U.S. residency and a valid Social Security number

Meeting these criteria improves approval chances and ensures access to Citi’s best rates and features.

Application Process

Applying is simple and quick:

1. Visit the official Citi website.
2. Go to the Citi Custom Cash® Card page.
3. Click “Apply Now.”
4. Provide your personal and income information.
5. Review terms, APR, and disclosure details.
6. Submit your application for an instant decision.

Once approved, you can add your card to Apple Pay®, Google Pay™, or Samsung Pay® and start earning rewards right away.

Frequently Asked Questions

1. Does the Citi Custom Cash® Card have an annual fee?
No. There’s no annual fee, so all your rewards are true savings.

2. How is the 5% category chosen?
Each billing cycle, Citi automatically determines your highest eligible spending category and applies 5% cash back to it (up to $500).

3. Can I use my rewards for travel or statement credits?
Yes. You can redeem rewards for statement credits, direct deposits, gift cards, or travel purchases through Citi’s rewards portal.

4. Is the card secure for online and contactless payments?
Absolutely. With EMV chip technology, real-time alerts, and fraud protection, your transactions are safe anywhere in the world.