Indisputably, the best part of the Citi Custom Cash card may be that the categories eligible for 5% cash back are unique enough that finding a comparable card to earn bonus rewards on spending in these areas is difficult.
| Positive points | Negative points |
|---|---|
| No annual fee | Requires good/excellent credit |
| 5% bonus categories | Low rate outside bonus categories |
In addition, the card does not have that onerous acceptance requirement that other 5% category cards have, which means you have one less task each quarter. For this reason, the Custom Cash card can work well as an additional card for use in one of the eligible categories.
Categories include restaurants, gas stations, grocery stores, selected travel, selected transit, selected streaming services, pharmacies, building supply stores, fitness centers, and live entertainment.
| Benefits | |
|---|---|
|
Attendance
|
24/7 customer service |
|
Fraud
|
24-hour fraud protection |
|
Digital
|
Digital wallets |
|
APR
|
APR introductory period |
Earning Rewards
Rewards are earned automatically with the Citi Custom Cash Credit Card. The card earns 5% cash back on purchases in a higher qualifying spending category each billing cycle, up to the first $500 in spending each month and 1% cash back on all other purchases. Eligible 5% cash back categories include: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, pharmacies, building supply stores, fitness centers, and live entertainment. Click the button below and apply for your card:
I Want My CardRedeeming Rewards
Because the Citi Custom Cash card earns Citi ThankYou Points rewards, redemptions are subject to the Citi ThankYou Rewards Terms and Conditions. Cash back redemptions can be made as a direct deposit into a bank account, a statement credit, or even used to make donations to charity. Points can also be redeemed for merchandise through Shop With Points, to pay off loans or as cash back with a minimum check redemption value of $5.
Reward Potential
Based on our calculations, our example cardholder with Citi Custom Cash will spend $500 per month in the selected category, earning $300 per year in cash back. On the remaining $26,072 in spending, with 1% cash back, this would bring in an additional $260.72 in cash back per year, resulting in total earnings of $560.72 annually, in addition to the first year's welcome bonus. Click the button below and apply for your card:
I Want My Card
