Loading the best recommendation for you…

Looking for an annual fee-free card with diverse cash back options?

Enjoy zero yearly charges and high rewards rates with the Citi Custom Cash® Card!


Experience a life of smart spending with the Citi Custom Cash® Card. Delight in earning cash back effortlessly in categories you use most, all with no annual fee. Savor the flexibility of 0% Intro APR, choose your payment dates, and indulge in a world of exclusive Citi Entertainment® access. Embrace seamless security with $0 liability on unauthorized charges and digital wallet compatibility. Elevate your everyday purchases into rewarding experiences.


You will remain in the same website

Explore the benefits of the Citi Custom Cash® Card with tailored rewards, zero annual fees, and exclusive perks, all designed for your convenience.

Effortless cash back in favorite categories
Zero annual fees, maximize your savings
Flexible 0% Intro APR for easy finance management
Privileged entry to exclusive events by Citi Entertainment®

You will remain in the same website

Get to know the Citi Custom Cash® Card, your personalized financial ally with custom benefits and features.

Perfect for those seeking a blend of convenience and rewards, let’s explore its detailed advantages and considerations.

Advantages and special perks

  • Automatic Category Cash Back: Earn 5% cash back automatically in your highest spend category each cycle, up to a certain limit.
  • Generous Welcome Offer: Receive a significant cash back bonus after reaching the initial spending threshold within the first few months.
  • Zero Annual Fee: Enjoy all the card’s benefits without worrying about an annual fee, making it a cost-effective choice for everyday use.
  • Introductory 0% APR: Kickstart your finances with Citi Custom Cash® Card’s 0% APR offer on initial purchases and balance transfers for a generous period.
  • Exclusive Citi Entertainment® Access: Gain special entry to exciting events, from concerts to dining experiences, exclusively with your card.
  • Flexible Payment Date Options: Customize your payment schedule to align with your financial planning, offering greater control over your finances.
  • Advanced Digital Wallet Compatibility: Use your card effortlessly with digital wallets for secure and convenient transactions.


  • Cash Back Earning Cap: The higher cash back rate is limited to a certain amount each billing cycle, potentially restricting rewards.
  • Foreign Transaction Fees Apply: Additional charges on international purchases, making it less ideal for frequent travelers.
  • Balance Transfer Conditions: The initial period and fees for balance transfers may not suit everyone’s debt consolidation plans.
  • Variable Post-Intro APR: After the introductory period, the APR varies based on creditworthiness, potentially leading to higher interest rates.
  • Limited Cash Back Categories: Cash back at higher rates is confined to specific categories, which might not align with everyone’s spending habits.
  • Higher Credit Score Requirement: A good to excellent credit score is necessary for approval, limiting accessibility for some potential users.
  • Restrictions in Point Usage: Reward points have specific redemption conditions, possibly limiting how you can use your earned rewards.

The Citi Custom Cash® Card is a solid option for anyone who prioritizes tailored rewards and a series of versatile features to match their spending patterns.

However, it’s essential to consider its limitations, including spending caps and potential fees, to ensure it aligns with your financial objectives and spending habits.

The Citi Custom Cash® Card shines in the Citibank credit card lineup due to its automatic cash back in top spending categories and no annual fee. Its unique feature of adapting to your spending habits to offer 5% cash back in your highest spend category each billing cycle, up to the first $500 spent, sets it apart. This makes it a particularly flexible and rewarding option for a wide range of consumers.

To open a Citibank account and apply for the Citi Custom Cash® Card, you can visit the Citibank website or a local branch. The process involves providing personal and financial information for verification and credit checks. It’s advisable to review the card’s features and requirements on the website to ensure it aligns with your financial needs before applying.

The Citi Custom Cash® Card is one of the best options for those with diverse spending patterns, as it automatically adapts to your top spending category each billing cycle for cash back rewards. Its versatility in rewarding various spending categories makes it an excellent choice for many consumers.

Payments for the Citibank credit card, including the Citi Custom Cash® Card, can be made online via the Citibank website or mobile app, by phone, by mail, or at a Citibank branch. You can set up automatic payments, make one-time payments, or even use third-party payment platforms where applicable.

The Citi Custom Cash® Card stands out with automatic cash back in top spend categories and no annual fee, tailored for savvy spenders seeking value and convenience in one card.

Citi Custom Cash® Card

Apply for the Citi Custom Cash® Card

Learn how to apply for the Citi Custom Cash® Card to enjoy an extensive low rate intro, incredible rewards, and flexible redemption options!

Considering a different option? The Upgrade Triple Cash Rewards Visa® shines as an alternative, offering a unique blend of cash back rewards and flexible credit lines.

The card provides an unlimited 1% cash back on all purchases, combined with the versatility of a credit line and installment plans, making it a practical choice.

Discover the full range of benefits and seamless application process of the Upgrade Triple Cash Rewards Visa®. See the link below to explore and apply for a financial game-changer.

Upgrade Triple Cash Rewards Visa®

Apply for Upgrade Triple Cash Rewards Visa®

Learn how to apply for the Upgrade Triple Cash Rewards Visa® and earn up to 3% cash back on purchases and pay no annual fee!

Trending Topics


Rocket Personal Loans Review: Speedy Funds!

Dive into our Rocket Personal Loans review and benefit from competitive rates with seamless online processing. Finance made it effortless!

Keep Reading

Apply for the Best Egg Personal Loans: Quick Cash, Zero Hassles!

Ready to transform your finances? Apply for Best Egg Personal Loans easily and embrace convenient, reliable funding for your peace of mind.

Keep Reading

What is the lowest credit score possible? A Complete Guide

Learn about the lowest possible credit score with our complete guide. Discover what a bad credit score is and the factors that can cause it.

Keep Reading

You may also like


Apply for the Wells Fargo Active Cash® Card: no annual fees ahead

See how to apply for the Wells Fargo Active Cash® Card and enjoy no annual fees with enhanced security features. Step into smarter spending!

Keep Reading

Mission Lane Visa® Credit Card review: Simplify your finances

Discover the Mission Lane Visa® Credit Card: A credit card that simplifies your life. With global acceptance. Check out!

Keep Reading

Hassle-free: Apply for Chime Credit Builder Secured Visa® Card

Learn how to apply for Chime Credit Builder Secured Visa® Card! Pay $0 annual fee and 0% interest! No credit check is required! Read on!

Keep Reading