Citi Custom Cash℠ Card
MastercardIssued by Citi
Earn 5% on your top eligible spend category (up to $500 monthly) and 1% on everything else.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
17.49% – 27.49%
Rate based on prime rate and creditworthiness.
SIGN-UP BONUS
200
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
TOP CASH BACK
5%
Earn 5% total cash back (1% unlimited + 4% additional) on hotels, car rentals, and attractions booked with Citi Travel.
Key Benefits
- Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent
- No rotating bonus categories to sign up for
- Earn 4% additional cash back on hotels, car rentals, and attractions booked with Citi Travel
- No annual fee
- Cash back is earned in the form of ThankYou® Points
Important Limitations
- International travel (has a 3% foreign transaction fee)
- Everyday spending spread evenly across multiple categories (cap is $500 per billing cycle)
- 0% introductory APR on new purchases (only applies to balance transfers)
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Citi Travel Purchases | 5% | Unlimited (no annual cap) | • Citi Travel Portal |
| All | 1% | Unlimited (no annual cap) | Earn 1% cash back on all other purchases, Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent. Categories: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, Live Entertainment. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
17.49% – 27.49%
CASH ADVANCE APR
29.74% – 29.74%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$41
BALANCE TRANSFER FEE
$5 OR 5%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Citi Entertainment®
- ✓Enjoy access to music, sports, culinary experiences and more — from virtually anywhere.
- ✓Must use Citi card for purchase
Mastercard ID Theft Protection™
- ✓Monitors your personal information and alerts you if suspicious activity is found.
- ✓Free enrollment required
Security Features
- ✓$0 Liability on Unauthorized Charges – You are completely protected against unauthorized charges on your account.
- ✓Citi® Quick Lock – Instantly block new charges while allowing recurring charges to continue.
- ✓Fraud Early Warning – Monitors your account for suspicious activity and alerts you of potentially fraudulent transactions.
Best Use Cases
IDEAL FOR
- Maximizing cash back on a single spending category each month
- Individuals with variable monthly expenses
- No-annual-fee cash back enthusiasts
NOT RECOMMENDED FOR
- International travel (has a 3% foreign transaction fee)
- Everyday spending spread evenly across multiple categories (cap is $500 per billing cycle)
- 0% introductory APR on new purchases (only applies to balance transfers)
Maximize Your Rewards Strategy
Months 1–6: Hit the Bonus
- Spend $1,500.00 to unlock $200.00 bonus
- Effective 13% return on first $1,500.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Cash Back
- 5% on Citi Travel Purchases
- 1% on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-362-0526
Last updated: Mar 17, 2026
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