Citi Custom Cash® Card
Citi
No Annual Fee
Annual Fee
mastercardGoodno-annual-feecash-backthankyou-pointstransferable17 days ago
No longer accepting new applications
This card is closed to new applicants and has no welcome offer. Existing cardholders can keep using it, and a product change with the issuer may be possible.
OpenCard editorial analysis
Our take
A targeted no-fee category card that automatically rewards the highest eligible category each billing cycle, subject to its cap. It works best when assigned one consistent job—such as groceries, gas, or dining—rather than used as a general spending card. Purchases beyond the cap and outside eligible categories earn much less.
Best for
- ✓ People with one predictable monthly spending category
- ✓ Cardholders who want automatic category selection
- ✓ Citi users building a complementary card setup
Not ideal for
- — People whose target-category spending greatly exceeds the cap
- — International users because of the foreign transaction fee
- — Anyone seeking strong rewards on all purchases
Conservative break-even test
Project eligible spending only up to the monthly cap and compare the category premium with a flat-rate card. Keep unrelated purchases elsewhere so they do not dilute the card's role or create the illusion of a higher overall return.
Earning Rates
5×Top Spend Category5% cash back on your top spend category (up to $500 per billing cycle)
1×Other Purchases1% cash back on all other purchases
Insurance
Application Rules
Citi 8/65 rule
Sources
- https://www.citi.com/credit-cards/citi-custom-cash-credit-card
- https://www.bankrate.com/credit-cards/reviews/citi-custom-cash-card/
Last Updated: Oct 2, 2026