Citi Custom Cash is no longer accepting applications, so this take is for existing cardholders weighing whether to keep it. Its appeal is the automatic 5% cash back on whichever eligible category you spend the most in each billing cycle, covering options like dining, gas, groceries, transit, travel, and streaming, with no annual fee and no enrollment. The limit is tight: that 5% applies only to the first $500 of spend per cycle, and everything beyond it, along with all other purchases, earns just 1%. Used as a targeted card for one category, it still pulls its weight and is worth keeping since it costs nothing to hold. New applicants should look at Citi's own Double Cash for flat 2% back, or the U.S. Bank Cash+ and Chase Freedom Flex for similar bonus-category structures.
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.