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3. Citi Custom Cash® Card review: Simple and flexible 5% cash back

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280 reviews from Intuit Credit Karma members

2.4

Rating: 2.4 out of 5.

Editors’ Take: This card will reward you with cash back that automatically adjusts to your top spending category each billing cycle. There’s no annual fee, but cash-back rewards are capped.

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Great for flexible cash back

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Annual fee: $0

The average credit score for members who have matched with this card or similar cards is 681

The average credit limit for members who have matched with this card or similar cards is $6,563

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Citi Custom Cash® Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $6,563, with $500 being the most common.

Here’s the average credit score of members who matched their Citi Custom Cash® Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 681, with 760 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

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36.4%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

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43 years

Average age of members who matched this card or similar cards.

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$87,096

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Hassle-free bonus cash back rewards

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Generous introductory APR offers

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Multiple ways to redeem points

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Earning caps on bonus categories

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Low sign-up bonus

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Foreign transaction fee

Citi Custom Cash® Card review

Updated October 17, 2024

This date may not reflect recent changes in individual terms.

Written by: Clint Proctor

5 things you should know about the Citi Custom Cash® Card

The Citi Custom Cash® Card offers simplicity of use with a 5% earnings potential that’s typically reserved for rotating bonus cards.

If you’re considering this card, here are five things you should know.

1. 5% cash back on autopilot

With the Citi Custom Cash® Card, you don’t have to worry about tracking bonus categories or stopping at specific stores to earn ThankYou® Points.

Instead, you’ll earn 5% cash back on whichever eligible spending category was your highest during your monthly billing period — on up to the first $500 spent. Eligible 5% bonus categories include restaurants, gas stations, grocery stores, drugstores, home improvement stores, select travel and transit, gyms and entertainment. You’ll earn unlimited 1% cash back on all purchases, as well as on purchases in your bonus category after you’ve hit the spending cap.

2. Introductory APR and welcome bonus offers

You’ll receive an intro 0% APR on purchases for the first 15 months from account opening, and on balance transfers for 15 months from the date of your first balance transfer. That could come in handy if you’re looking to finance a large, one-time purchase in addition to earning ongoing cash back.

To qualify for the intro rate, balance transfers must be completed within four months of account opening. And you’ll have to pay a balance transfer fee of 5% (minimum $5).

After the introductory period, the variable APR for both purchases and balance transfers rises to a variable 18.49% - 28.49%.

New cardholders may also qualify for a $200 cash back sign-up bonus after spending at least $1,500 on purchases within the first 6 months with the card.

3. Flexible redemption options

There are multiple ways you can redeem the ThankYou Points you earn with Citi Custom Cash® Card, including for gift cards, travel or shopping with points at retailers like Amazon.com. You can also redeem your points for cash through direct deposit, check or a statement credit. There are no minimum redemptions when you choose cash redemption through direct deposit or statement credit.

4. No annual fee

Like some other cash back cards, Citi Custom Cash® Card doesn’t charge an annual fee. But there’s a 3% foreign transaction fee. So if you do a lot of traveling abroad, you may want to look for a different rewards card.

5. No unlimited bonus categories

A couple of other cash back cards offer unlimited cash back categories on top of rotating quarterly bonus categories, but you won’t find that with the Citi Custom Cash® Card.

Instead, every purchase outside of your single bonus category each billing cycle earns just 1%. This means that your maximum cash back at the bonus rate will be capped at $25 per month and $75 per quarter.

Other card details to know

The Citi Custom Cash® Card doesn’t come with extra perks, but here are a couple of other things worth noting.

• Citi Entertainment — As a cardholder, you’ll get special access (including pre-sale tickets) for live concerts, sporting events, culinary experiences, and more.
• Contactless payments — The card is contactless-chip enabled, which means that cardholders can make safe and secure in-person purchases without having to touch a payment terminal.
• Free FICO® score — Getting monthly access to your FICO score is nice. But it probably shouldn’t be one of your top reasons for picking a credit card as there are several other ways to check your credit scores and reports for free.

Who this card is good for

The Citi Custom Cash® Card could be a solid option if you don’t want to spend time tracking bonus categories and are looking for a straightforward way to earn up to $300 in bonus cash per year. But if you’re looking to maximize the amount of cash you can earn through unlimited bonus categories, other cards may have the potential to be more valuable.

Not sure this card is right for you? Consider these alternatives.

Here’s a couple of other cards to consider if the Citi Custom Cash® Card won’t work for your needs.

• Discover it® Cash Back: If you’re looking for a generous welcome bonus offer, this card is worth checking out.
• U.S. Bank Cash+™ Visa Signature® Card: This card could be a great fit if you’re looking for a way to earn cash back on a hefty cell phone bill.