Today’s consumers demand flexibility. One month you might be spending more on groceries, and the next on gas, dining, or streaming subscriptions. The Citi Custom Cash® Card understands that spending habits change—and it’s designed to adapt right along with you.
Instead of forcing you to pick or rotate categories, this card automatically determines where you spend the most and gives you 5 % cash back on that category (up to $500 per billing cycle). All other purchases earn 1 % unlimited cash back.
There’s no activation required, no tracking spreadsheets, and no forgotten rewards. Add Citi’s no annual fee, introductory APR offers, and strong security technology, and you have one of the most convenient cash-back cards available in the U.S. market.
Citi Custom Cash®
No annual fee Cash BackBenefits of the CITI CUSTOM CASH® CARD
- Adaptive Rewards That Keep Up With You
The biggest advantage of the Citi Custom Cash® Card is its ability to adapt automatically. Each month, it identifies your top eligible spending category—like gas, dining, groceries, travel, or entertainment—and applies the 5 % cash back rate there.
You don’t have to remember to “activate” anything; it’s an intelligent system that maximizes your earnings based on your actual lifestyle.
- Reliable 1 % Cash Back on Everything Else
Even when you’re outside the 5 % category, you’ll still earn 1 % cash back on every purchase. This ensures you get rewarded on all your spending, not just select areas.
It’s a simple yet effective model that provides value without complexity—perfect for anyone who wants steady returns without micromanaging rewards programs.
- No Annual Fee — All Reward, No Cost
Unlike many premium rewards cards, the Citi Custom Cash® Card charges no annual fee. That means every dollar of cash back you earn is true profit.
It’s ideal for those seeking a low-maintenance, long-term card that delivers consistent rewards without hidden charges.
- Introductory APR Offers for Added Flexibility
New cardholders often qualify for a low or 0 % introductory APR on purchases and balance transfers for a set period. This benefit gives you financial breathing room for major purchases or debt consolidation, letting you save on interest while earning rewards.
Combined with Citi’s transparency and flexible payment tools, this feature makes the card appealing for responsible budget planners.
- Effortless Digital Management
Through the Citi Mobile® App and secure online portal, you can check balances, track rewards, and redeem cash back instantly. You can even lock or unlock your card in real time and set spending alerts to maintain total control.
These digital tools make it easier than ever to manage your finances from anywhere, anytime.
Why Consumers Choose the CITI CUSTOM CASH® CARD
The Citi Custom Cash® Card stands out because it prioritizes simplicity and personalization. There’s no need for multiple cards or complex reward tiers—just one smart card that automatically adjusts to how you spend.
For consumers seeking efficiency, transparency, and steady returns, it’s one of the most practical cash-back options on the market.
Potential Savings and Yearly Value
Even modest spending can generate meaningful rewards. Here’s a sample of what you might earn using the Citi Custom Cash® Card effectively:
| Annual Spending | 5 % Bonus Category Earnings | 1 % on Other Purchases | Total Estimated Rewards |
| $6 000 | ≈ $300 | ≈ $60 | ≈ $360 |
| $12 000 | ≈ $600 | ≈ $120 | ≈ $720 |
| $20 000 | ≈ $1 000 | ≈ $200 | ≈ $1 200 |
For a card with no annual fee, these figures translate into pure value—especially when paired with consistent monthly spending in high-reward categories.
Built-In Security and Peace of Mind
Citi integrates enterprise-grade protection into every transaction. The Citi Custom Cash® Card includes:
- Zero-liability coverage for unauthorized charges.
- 24/7 fraud monitoring with instant alerts.
- EMV chip and contactless payments for safer checkout.
- Instant card freeze/unfreeze options in the mobile app.
These layers of security ensure you can shop confidently both online and in-store.
Eligibility Criteria
Applicants should generally meet these standards:
- Good-to-excellent credit score (typically 700 or higher).
- Verifiable income to support repayment.
- U.S. residency and valid identification.
Meeting these benchmarks helps maximize approval chances and access Citi’s most competitive terms.
Application Process
Applying for the Citi Custom Cash® Card is straightforward:
- Visit the official Citi website.
- Navigate to the Citi Custom Cash® Card page.
- Click “Apply Now.”
- Enter your personal, employment, and income information.
- Review the APR and reward terms carefully.
- Submit your application for an instant decision.
Upon approval, you can add the card to Apple Pay®, Google Pay™, or Samsung Pay® immediately and start earning rewards on your very first purchase.
Frequently Asked Questions
1. How does the Citi Custom Cash® Card choose my 5 % category?
Each billing cycle, Citi automatically reviews your transactions and applies the 5 % cash back rate to the category where you spent the most (up to $500 in purchases).
2. Does the card charge an annual fee?
No. You can keep the Citi Custom Cash® Card long-term with zero annual cost.
3. How can I redeem my rewards?
You can redeem through the Citi thankyou® Rewards platform for statement credits, direct deposits, gift cards, or travel bookings.
4. Is it safe for online shopping and contactless payments?
Absolutely. Citi’s encryption technology, AI-driven fraud detection, and real-time alerts keep your data protected around the clock
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