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Citi Custom Cash℠ Card

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This card automatically earns 5% cash back in your top spending category, including a wide range of everyday expenses. You’ll get a long 0% intro APR for both purchases and balance transfers, and for no annual fee, this card has earned its stars.

Citi is a Credit Card Insider advertiser.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 13.99%–23.99% Variable
Intro Balance Transfer APR: 0% for 15 billing cycles
Intro Purchase APR: 0% for 15 billing cycles

Citi Custom Cash℠ Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

Spending Rewards
  • 5% cash back in your top spend category each billing cycle (up to $500 spent, then 1%)
  • 1% cash back on all other purchases
Introductory Bonus
  • $200 cash back for spending $750 in the first 3 months

BONUS RESTRICTIONS

This offer is only available to new Citi Custom Cash cardmembers who have not received a bonus offer for this card in the past 48 months.

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 15 billing cycles
Regular Balance Transfer APR 13.99%–23.99% Variable
Balance Transfer Fee 5%, $5 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR Up to 29.99% Variable
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.24% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

SECURITY
  • Zero Liability on Unauthorized Charges
Citi Custom Cash℠ Card

Highlights

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
ABOUT THE ISSUER

Citi

Citi has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-950-5114 or

Try a different phone number
See all Issuer Cards

The Citi Custom Cash Card offers one of the easiest ways to ensure you’re getting the best cash back rate on your spending, along with interest-saving terms and a decent welcome bonus.

For 15 billing cycles you’ll get a 0% purchase and balance transfer APR, then your rates will be 13.99%–23.99% Variable.

You’ll earn 5% cash back in your top spending category per billing cycle, up to $500 spent, then 1%. All other purchases will earn an unlimited 1% back.

Categories include: drugstores, restaurants, grocery stores, gas stations, select travel, select transit, select streaming services, fitness clubs, home improvement stores, and live entertainment.

This card has no annual fee.

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