What you get
Rewards and benefits
How it earns
Earn an elevated cash back rate in your highest eligible spending category each billing cycle, up to a monthly cap.
- Automatic eligible category selection
- Monthly spending cap on top rewards
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileGood to excellent credit
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Citi makes every lending decision.
- Other conditions
- Citi is no longer accepting applications for the Citi Custom Cash Card product as of May 28, 2026. If you are interested in a cash back card, you are welcome to apply for the Citi Double Cash Card. Existing Citi Custom Cash cardmembers are not impacted and can continue to use their card and enjoy its benefits.
Conditions to know
- Eligible categories and monthly cap are set by Citi.
- Only the top eligible category receives the elevated rate in a billing cycle.
- Review current card availability and product terms before applying.
Recorded from Citi’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Citi Custom Cash® Card
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
