- 5%Cash back on highest monthly spend category
- 1%Cash back on all other purchases
Earn $200 cash back after spending $1,500 on purchases within the first 6 months.
Earn 5% cash back on your highest monthly spend category in each billing cycle (up to $500 spent), and 1% on everything else.
17.49%-27.49% Variable APR
The standout feature of the Citi Custom Cash® Card is its ability to adapt to your spending habits, automatically offering 5% cash back on your top spending category each month. This flexibility makes it an excellent choice for those who want to maximize rewards without the hassle of rotating categories.
Pros:
- No annual fee
- Flexible cash back categories
Cons:
- Spending cap on bonus categories
- Requires activation for bonus categories
The Citi Custom Cash® Card is a strong option for consumers who prefer a straightforward rewards structure that adapts to their spending habits, particularly those who frequently spend in varying categories. With no annual fee and a solid welcome bonus, it may be especially suitable for individuals looking to earn cash back without the complexities of rotating categories.