Citi stopped accepting new applications for the Custom Cash on May 28, so this is now a card for existing holders rather than one to chase. If you have it, the appeal is unchanged: 5% back automatically on your top eligible spending category each billing cycle, drawn from a list that includes dining, groceries, gas, transit, travel, and streaming, with no annual fee. The limit is the cap of $500 in purchases per month, so the 5% tops out around $25 a month before falling to 1%, and everything outside your top category earns 1% as well. That makes it a strong complement to a broader cash back card rather than a primary one, which is about where it lands on our lists at sixth for cash back and ninth for dining and groceries. The 15 month 0% intro APR on purchases and balance transfers only matters if you opened it while the door was still open.
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 Custom CashBased on 2 product changes logged by CreditOdds members in their wallets. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.