CITI CUSTOM CASH® CARD – Smart Rewards That Auto-Adjust to You

If you hate tracking rotating bonus categories but still want premium cash-back rewards, the Citi Custom Cash® Card is built just for you.

It automatically rewards you with 5% cash back on your highest eligible spend category each billing cycle (up to $500). You don’t have to opt-in, calculate, or choose—it learns and adapts to your lifestyle.

Think of it as personalized rewards without the extra effort.

New cardholders get a $200 cash bonus after spending $1,500 in the first 6 months.

That's a very accessible bonus for everyday users—no large upfront spending required.

• 5% cash back on up to $500 in your top eligible category
• 1% on all other purchases

Eligible 5% categories include:

Restaurants

Gas stations

Grocery stores

Select streaming services

Drugstores

Home improvement stores

Fitness clubs

Live entertainment

Transit & travel

This auto-adapting system ensures you’re always maximizing one key category each month.

The Citi Custom Cash® Card charges $0 annual fee—keeping more cash in your pocket, with no maintenance costs.

It’s one of the few high-reward cards with zero annual commitment.

Even when you’re not spending in your highest category, you still earn 1% on everything else—groceries, bills, subscriptions, etc.

It’s a great everyday companion card.

• Redeem for cash back as a direct deposit or statement credit
• Use for gift cards, travel, or Amazon purchases
• Combine with other Citi cards for enhanced point redemptions

Rewards are issued as Citi ThankYou® Points, giving you great flexibility.

With this flexibility, you’re not locked into a single way to benefit.

If you also hold a Citi Premier® or Prestige® Card, you can transfer Custom Cash points to travel partners (like JetBlue, Singapore Airlines, etc.) through the ThankYou® Rewards ecosystem.

This makes it a powerful combo card, especially for travel-savvy users.

• Intro APR on balance transfers for a set period (check current terms)
• Standard balance transfer fee of 5% or $5 minimum

Useful for consolidating other card balances, if needed.

• $0 fraud liability
• Real-time fraud monitoring
• Citi’s mobile app with tools to track spending, redeem rewards, and manage your account securely

• Smart shoppers who consistently spend in one main category
• Minimalists who don’t want to manually track rewards
• People looking for a zero-fee card with top-tier rewards
• Citi users who want to build a ThankYou® Points strategy