- 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 in the first 6 months.
Earn 5% cash back on your highest monthly spend category in each billing cycle, up to $500.
17.49%-28.24% Variable APR
The Citi Custom Cash® Card stands out for its automatic 5% cash back on your highest spending category, making it a flexible choice for those whose spending habits vary month to month. Its lack of an annual fee and straightforward rewards structure make it an appealing option for everyday use.
Pros:
- Automatic 5% cash back on top category
- No annual fee
Cons:
- Limited to $500 per billing cycle
- Variable APR can be high
The Citi Custom Cash® Card is well-suited for individuals who seek a no-annual-fee option with a dynamic rewards structure that adapts to changing spending patterns, particularly those who can take advantage of the 5% cash back in their top spending category each month. This card is ideal for consumers looking for simplicity and flexibility in their cash back rewards.