Citi Custom Cash Card Review – $200 Bonus and Up to 5% Cash Back

Overview

Citi Custom Cash^® Card, issued by our partner Citibank, is a cash back credit card that rewards you 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent. There are no rotating bonus categories to sign up for. Citi Custom Cash Card also offers a $200 sign-up bonus and has no annual fee.

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Citi Custom Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel^℠ portal through 6/30/2026.
• No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash^® Card account per person.

Intro APR

0% on Purchases and Balance Transfers

Intro APR Period

15 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good

Card Benefits

$200 Cash Back Bonus Offer

With Citi Custom Cash Card, new cardholders can earn a welcome bonus of $200 cash just for using the card to pay for purchases of $1,500 or more in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. Earning the $200 bonus cash is like receiving a 13.3% rebate on your first $1,500 in purchases.

Rewards Program

You will earn cash back rewards everywhere you go. The card pays you 5% cash back for each dollar, up to the first $500, in your highest spending category each billing cycle. After the first $500 spent in that category during the billing cycle, you will earn 1% cash back for each additional dollar you spend. Eligible spending categories include the following: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. For all other purchases, you will earn unlimited 1% cash back for each dollar you spend on purchases. You don’t need to sign up for any rotating bonus rewards categories. As your spending changes each billing cycle, your cash rewards adjusts automatically when you spend in any of the eligible categories.

For example, if you spend $6,000 on purchases that qualify for 5% cash back, and $4,000 on everything else in a year, you will receive $340 cash rewards for the year. You can use our cash back calculator to find out how much cash rewards you may receive.

0% Interest for 15 Months

Citi Custom Cash Card lets you have 0% interest on purchases and balance transfers for 15 months. After the introductory period, the go-to rate of 18.49% - 28.49% (variable) applies.

With 0% intro APR on purchases, you can charge expensive purchases to the card now and pay off the balance 15 months later. As long as you make minimum payments shown on your credit-card statements every month, you will not need to pay any interest or fees for 15 months.

Furthermore, you can have 0% interest on balance transfers, which allows you to transfer existing balance of other credit cards to your new Citi Custom Cash Card. In this way, you can save money on interest fees by paying off current credit-card balance now and then paying no interest for 15 months on the Citi Custom Cash Card.

Interest and Fees

Citi Custom Cash Card carries no annual fee. You can earn cash back rewards without worrying about paying an annual fee to keep the card.

Required Credit Rating

The Citi Custom Cash Card is for people with excellent or good credit profile.

Is this the right card for you?

With no annual fee and an easy-to-understand rewards structure, Citi Custom Cash Card is a great payment card that is best for people who want to get more cash back on the things you buy every day. On top of the new account bonus of $200, you can earn up to 5% cash back on the purchases that you make most frequently.

Similar Rewards Credit Cards

If you are interested in Citi Custom Cash Card, you may also consider a few other credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Wells Fargo Active Cash® Card	$200 cash rewards bonus after spending $500 in purchases in the first 3 months. Unlimited 2% cash rewards on purchases.	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	$0 rates & fees
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees