Credit Cards

Citi Custom Cash℠ credit card review: earn 5% cash back in your top spending category

The Citi Custom Cash credit card gives you the chance to earn a $200 welcome bonus, not to mention its 5% cash back.


by Danilo Pereira

Published on 09/09/2022

This card adapts to your spending and rewards you for it

citi custom cash credit card
This is the Citi Custom Cash℠ credit card! Source: The Post New.

The Citi Custom Cash℠ credit card is a cashback card with zero annual fees, and you can earn up to 5% in your top eligible spend category. If these benefits caught your attention, read this Citi Custom Cash℠ review to see more!

citi custom cash credit card

How to apply for Citi Custom Cash℠ credit card?

This post will tell you how to apply for the Citi Custom Cash℠ online in just a couple of minutes. Read on and learn how to get your cashback credit card!

  • Credit Score: Good – Excellent
  • APR: 16.24% – 26.24% Variable APR
  • Annual Fee: $0
  • Fees: $5 for balance transfer (or 5% of the amount of each transfer, whichever is greater), $3 foreign transaction fee
  • Welcome bonus: $200 in cash after spending $750 on purchases within the first 3 months from account opening
  • Rewards: 5% cash back on eligible categories (up to the first $500 you spend, 1% thereafter) and 1% on all other purchases

All other spending, be it outside of your top spending category or after you spend $500, earns you 1% cash back.

On top of that, you can earn a $200 cash bonus after spending $750 on purchases within the first 3 months of account opening.

Citi Custom Cash℠ credit card: how does it work?

With the Citi Custom Cash℠ credit card you earn rewards in the form of ThankYou Points. You can then redeem those points for cash back as a direct deposit, check or statement credit. 

Each point is worth 1 cent, and other redemption options include gift cards, Amazon purchases or travel. Keep in mind points values may vary depending on how you redeem them. 

For example, if you redeem your points for gift cards you may get a yield value of 1 cent per point. Redeeming for Amazon purchases will get you a 0.8 value rate per point in some instances.

This card earns cash back rewards in a number of spending categories. Categories include:

  • fitness clubs
  • gas stations
  • restaurants
  • grocery stores
  • drugstores
  • streaming services
  • live entertainment
  • select travel
  • select transit
  • home improvement stores

What makes this card especially valuable is the ability to earn lucrative rewards in broad and useful categories which are part of everyday life. 

The 5% cash back reward adjusts itself automatically based on your spending. Put that on top of a zero-dollar annual fee, and you have one of the most convenient cards available.

When you compare this card to other 5% bonus category cards, the Citi Custom Cash Card is extremely low maintenance.

Most cards will require you to activate your bonus categories. That means a mental burden you can avoid by using Citi Custom Cash℠.

Citi Custom Cash℠ significant benefits and disadvantages

Pretty young woman refuel the car
There are many categories in which you can earn extra cashback, and gas stations are one of them. Source: Adobe Stock.

Now that you know some of the ins and outs of the Citi Custom Cash℠ credit card with this review, how about a comparison?

Let’s put the pros and cons side by side and see what this card is all about.



  • 5% cash back on bonus categories
  • Zero-dollar annual fee
  • Complimentary APR period
  • Auto-adjusting rewards categories


  • 3% foreign translation fee
  • 5% balance transfer fee
  • Low rate outside bonus categories
  • Requires good/excellent credit

Is a good credit score required for applicants?

The Citi Custom Cash℠ credit card offers some top-of-market benefits to its cardholders. This should prompt you as to what kind of requirements to expect from this card.

It requires a good to excellent credit score, something in the neighborhood of 690 to 850 points.

Learn how to apply and get a Citi Custom Cash℠ credit card

Applying for the Citi Custom Cash℠ credit card is a convenient online process. The application only requires some personal information and does not take more than a few minutes.

If you would like to apply for this card, click the link below, and we will show you how.

citi custom cash credit card

How to apply for Citi Custom Cash℠ credit card?

This post will tell you how to apply for the Citi Custom Cash℠ online in just a couple of minutes. Read on and learn how to get your cashback credit card!

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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