Key takeaways
- At 5 percent cash back on your top spending category (up to $500 each billing cycle, then 1 percent), the Citi Custom Cash® Card* offers top cash back as a rotating category card.
- The card has several high-value benefits, including a solid welcome bonus, an introductory APR on purchases and balance transfers and access to World Elite Mastercard benefits.
- To maximize the value of the Citi Custom Cash Card, plan your spending accordingly to match up with the card’s available categories. You can also pair it with another Citi credit card to pool rewards and transfer them to Citi hotel and airline partners.
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The Citi Custom Cash® Card offers superb cash back as a bonus category card, with 5 percent cash back rewards in your top spending category (on up to $500 each billing cycle, then 1 percent). This rewards structure provides an excellent way to earn rewards where you spend the most — without much added effort.
And because it has no annual fee, it’s easy to reap the benefits of this card and use it in an overall cash back credit card strategy. Here’s what you need to know about the Citi Custom Cash Card benefits and how you can maximize them for solid cash back rewards.
Citi Custom Cash Card rewards benefits
The Citi Custom Cash is worth it to many cardholders simply because of its lucrative rewards structure, which we break down below:
5% cash back rewards
With the Citi Custom Cash Card, you’ll receive a generous 5 percent cash back rate for the first $500 spent (then 1 percent back) in your top spending category each billing cycle. The 10 categories that qualify for this 5 percent rate include:
- Gas stations
- Restaurants
- Grocery stores
- Live entertainment
- Select streaming services
- Select travel
- Select transit
- Home improvement stores
- Fitness clubs
- Drugstores
The Citi Custom Cash also earns 4 percent cash back on hotels, car rentals and attractions booked through the Citi Travel portal until June 30, 2026.
Redemption options
Despite the Citi Custom Cash being advertised as a cash back card, you’ll technically earn your rewards as Citi ThankYou points, which can be redeemed for:
While the Custom Cash does earn ThankYou points, they’re considered “basic” ThankYou points. For the most part, they can’t be transferred to Citi hotel and airline partners. If you pool your points into a more premium Citi card account, such as the Citi Strata Premier℠ Card, you’ll gain that privilege.
Welcome bonus offer
Another Citi Custom Cash benefit new cardholders can take advantage of is the sign-up bonus. If you spend $1,500 in the first six months of opening the card, you’ll earn a bonus of 20,000 ThankYou points worth $200 in cash back rewards.
That means you just need to spend $250 a month for six months — a relatively low threshold, especially if you plan on hitting that $500-per-month rewards cap each billing cycle.
Additional Citi Custom Cash Card benefits
The Citi Custom Cash Card might not have as many perks and benefits as a rewards credit card with an annual fee, but it can still provide cardholders with a lot of value. Here are some additional benefits to keep in mind:
0% introductory APR offer
Another great benefit of the Citi Custom Cash is the ability to avoid high interest rates for a set period. The card offers a 0 percent introductory APR on purchases and balance transfers for the first 15 months, followed by 18.24% – 28.24% (Variable).
This zero-interest offer is a great way to pay off existing debt or cover a large purchase over time. While it’s not the longest intro APR period on the market, it’s still a solid offer thanks to the card’s generous rewards and lack of an annual fee.
Mastercard benefits
What’s also notable about the Citi Custom Cash is that it’s a World Elite Mastercard, giving you access to a multitude of Mastercard credit card benefits. Here are a few of the best perks offered through this Mastercard tier:
- World Elite Concierge access
- Free ShopRunner membership
- Rental car discounts and perks
- Lowest Hotel Rate Guarantee and Mastercard Hotel Stay Guarantee
- $5 Lyft credit per month if you take at least three rides per month
FICO score access for free
With the Citi Custom Cash, you can view your FICO credit score anytime. The score will be updated on a monthly basis. Simply log in to your online account or check via Citi’s mobile app. You’ll also find additional information on what factors are impacting your score.
Citi Entertainment
As a cardholder, you’ll get access to Citi Entertainment. Through this program, you can receive exclusive access to concerts, tours, sporting events, dining experiences and more, as well as presale tickets and VIP packages.
$0 fraud liability and fraud monitoring
If a fraudster gets access to your credit card or account, you won’t be held liable for any unauthorized charges. Further, Citi’s Fraud Early Warning service monitors your account and will notify you of fraudulent activity.
Maximizing the Citi Custom Cash Card
It’s important to know how to get the most out of the Citi Custom Cash Card. Here are two ways to maximize the value of this cash back card so you can benefit as much as possible as a new cardholder.
Pair the Citi Custom Cash with another Citi credit card
The Citi Custom Cash is a great card to supplement other Citi cards in your wallet due to its lack of an annual fee, ability to earn ThankYou points and simple earning structure.
If you already have a rotating bonus category card, the Citi Custom Cash can be a good option for all other spending — and you won’t pay an additional annual fee to keep it in your wallet.
In terms of pooling points, having a more premium Citi card, such as the Citi Strata Premier — which earns, transferrable Citi ThankYou points — will allow you to pool rewards and transfer them to Citi hotel and airline partners, potentially for heightened value.
Cash back tip
You can also pair the Citi Custom Cash Card with almost any other cash back card that earns high rates in your top spending categories. For example, the Citi Custom Cash can cover your grocery spending while you use another card for top cash back rates on gas or dining.
Plan your spending from one month to the next
You can maximize Citi Custom Cash Card benefits by planning your purchases to coincide with a specific category each billing cycle. Try to book all of your travel in one month, pay for your gym memberships in full the next month and so on. Additionally, be sure you hit at least $1,500 in spending during the first six months to score the first-year welcome bonus.
The bottom line
The Citi Custom Cash Card offers an impressive rewards rate that’s automatically tailored to your highest spending, along with additional benefits like an introductory APR offer and access to Citi Entertainment — all for no annual fee. Maximizing the Citi Custom Cash starts with spending enough to earn its welcome bonus within the first six months of card ownership. From there, make sure you use the card strategically to max out your 5 percent cash back category.
If you’re still not sure whether the Citi Custom Cash is right for you, consider checking out other cash back credit cards to see if another option fits your spending habits. Those who have their hearts set on a Citi card can also check out Bankrate’s list of today’s best Citi credit cards.
*The information about the Citi Custom Cash® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
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