Citi Custom Cash® Card
5% automatically on your top eligible spend category each billing cycle, up to a monthly spending cap; 1% on all other purchases.
Citi's page for this card (opens in a new tab) (not accepting applications).
Card details reviewed October 2, 2026. Confirm everything on the issuer site.
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Key facts
| Availability | Closed to new applicants as of May 28, 2026 |
|---|---|
| Annual fee band | $0 |
| Welcome offer | Check current offer on issuer site |
| APR and any intro APR | Check current terms on issuer site (see "Rates & Fees") |
| Credit typically targeted | Good, Excellent (a guide only, not a guarantee of approval) |
| Rewards type | Cash back |
| Foreign transaction fee | Yes |
| Bonus category caps | Yes |
| Network | Mastercard |
| Card for | Personal |
Who it may fit
- Earn cash back
Features
Pros
- Bonus adjusts automatically to your top category
- No annual fee
- No activation needed
Cons
- Capped bonus spend
- Only one bonus category at a time
Watch out for
- Bonus applies to only one category per cycle, up to a spending cap.
- Citi fixes the list of eligible categories.