Citi stopped accepting new applications for the Custom Cash in May 2026, so this is now a card you keep rather than one you can get. What made it worth keeping is the automatic 5% back on your top eligible spending category each billing cycle, drawn from a list that spans dining, gas, groceries, transit, travel, streaming, drugstores, home improvement and entertainment, with nothing to activate. The cap is the catch: 5% applies only to the first $500 in that category each month, and everything above it, along with all other spending, earns 1%. If you are shopping for a replacement, Citi points new cash back applicants to its own Double Cash at 2% on everything, while the U.S. Bank Cash+ and Chase Freedom Flex come closest to the 5% category structure. It still holds #5 on our Best Cash Back Credit Cards list on the strength of that formula, but the ranking matters less now that the application door is shut.
Earn rates & credits
| Category | Rate |
|---|---|
Top spend category Automatically on your top eligible spend category each billing cycle on first $500/mo, then 1% Eligible: Dining, Gas, Groceries, Transit, Travel, Streaming, Drugstores, Home Improvement, Entertainment | 5% |
Everything Else | 1% |
Card details
Regular APR | 17.49%–27.49% variable |
Intro APR on purchases | 0% for 15 months |
Intro APR on balance transfers | 0% for 15 months |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Citi Double Cash
Citi Strata
American Airlines AAdvantage MileUp Mastercard
Citi AAdvantage Business World Elite Mastercard
Citi Diamond Preferred
Citi Strata Premier
Citi Custom CashCiti Custom CashBased on 27 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.