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.