Custom Cash®: Up to 5% Cashback on Your Top Spending Category
Earn 5% cashback on the category you spend the most each month (up to $500/month) – worth up to ~$300 per year in rewards.
The Bottom Line
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BIG4CREDIT RANKING
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fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
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Custom Cash® is a great no-annual-fee card if you want to earn high rewards in your top spending category automatically. It gives 5% cashback on your highest eligible category each billing cycle (up to a cap), so there’s nothing to activate or track. The card works especially well if you consistently spend in one category like groceries, dining, or gas. However, the monthly cap limits how much you can earn at the top rate. If you want simple, high rewards in one category without effort, this card is a strong choice.
Custom Cash®
Apply now
On Citi's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months
Regular APR
17.49% - 27.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on up to $500 in purchases per billing cycle in your top eligible spend category. Additionally, earn 4% cashback on hotels, car rentals, and attractions booked through Citi Travel®, plus unlimited 1% cashback on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $1,500 in the first six months.
$200
Welcome Offer
- Earn a $200 bonus after spending $1,500 in the first six months.
Rewards
- 5% Cashback on Top Eligible Spend Category: Earn 5% cashback on up to $500 in purchases per billing cycle in your top eligible spend category. The eligible categories are:
- Restaurants
- Gas Stations
- Grocery Stores
- Select Travel
- Select Transit
- Select Streaming Services
- Drugstores
- Home Improvement Stores
- Fitness Clubs
- Live Entertainment.
- 4% Cashback on Select Citi Travel®: Earn 4% cashback on hotels, car rentals, and attractions booked on Citi Travel®.
- 1% Cashback on all other purchases.
Redemption Options
- Flexible Redemption: Redeem points for cashback as a statement credit, direct deposit, or check. There are no minimums for statement credit or direct deposit redemptions. Points can also be redeemed for gift cards, travel, or used to shop with points at Amazon.com. Redemption rates may vary. Cash rewards do not expire.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Balance Transfers: For 18 months from account opening on balance transfers completed within the first 4 months.
- Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Convenience Features
- Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay
Nice Extras
- Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
Buy Now, Pay Later Options
- Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.
Additional Features
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
- Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
- Free credit score access.
Terms and Conditions
Click Apply Now to see the terms and conditions.
EarnSmart Rewards Strategy
- Savor Rewards: Earn 3% cashback on dining, groceries, entertainment, and select streaming services, covering key everyday spending categories. 👉 Learn more about Savor Rewards.
- Active Cash®: Provides unlimited 2% cashback on all purchases, ensuring strong returns on spending outside bonus categories. 👉 Learn more about Active Cash®.