CITY CUSTOM CASH
0 ANNUAL FEE CASHBACKAre you searching for a cash back credit card that adapts to your lifestyle and spending habits? The Citi Custom Cash® Card could be your perfect financial partner. With 5% automatic cash back on your highest eligible spending category each billing cycle, this card intelligently rewards your real-life purchases—without the need to track or activate categories manually.
Let’s dive into what makes the Citi Custom Cash® Card one of the top-performing high rewards credit cards on the market today.
Top 3 Advantages of the Citi Custom Cash® Card
1. Automatic 5% Cash Back on Your Top Spending Category
Unlike most reward cards that require category activation, the Citi Custom Cash® Card offers 5% cash back on up to $500 spent per billing cycle on your highest eligible spending category—automatically. Eligible categories include groceries, gas stations, dining, select travel, and more.
This customizable cash back model ensures your rewards align with your lifestyle—whether you’re a foodie, frequent traveler, or daily commuter.
2. No Annual Fee — Forever
Unlike other high-reward cards that charge steep yearly fees, the Citi Custom Cash® Card comes with no annual fee—making it ideal for both new credit users and savvy spenders looking to maximize returns without extra costs.
3. Introductory 0% APR and Sign-Up Bonus
Enjoy a 0% Intro APR on purchases and balance transfers for 15 months, giving you flexibility to manage expenses or consolidate debt. Plus, earn a $200 cash bonus (20,000 ThankYou® Points) after spending $1,500 within the first 6 months—a competitive offer among credit card application online options.
Two Disadvantages to Consider
1. 5% Rewards Cap
The 5% cash back rate only applies to the first $500 spent in your top category each billing cycle. After that, all purchases earn 1% cash back, which may not be ideal for big spenders seeking unlimited cash back.
2. Limited Category Flexibility
You can’t manually choose your top category—Citi determines it based on your spending behavior. If you have evenly split expenses, this might result in less optimized rewards.
Ready to Unlock Personalized Rewards? Here’s How to Apply Today
If you’re seeking a custom cash back credit card that automatically adjusts to your spending habits and charges no annual fee, the Citi Custom Cash® Card is a standout choice.
Continue reading our complete guide to discover:
- Hidden benefits like cell phone protection when paying your bill with the card
- How Citi’s ThankYou® Rewards ecosystem opens doors to travel, gift cards, and direct deposit
- A step-by-step walkthrough to complete your credit card application online in under 5 minutes
