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Citi Custom Cash℠ Card: review

With excellent select, in-category cash back rewards and unique categories to earn in, the Custom Cash offers great limited cash back for those who want to leverage specific spending to earn it.

The categories offered include unique options like home improvement, fitness clubs, live entertainment and a handful of others, which makes this card great for those who want an additional card to earn some cash back in places most won’t see it otherwise.

Pros & Cons


  • 5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle
  • All other eligible purchases will earn 1% cash back
  • No registration required to earn bonus rewards
  • Cash back categories are unique categories that other cards may not offer bonus rewards for
  • Introductory APR on purchases and balance transfers
  • No annual fee


  • High balance transfer fee
  • High foreign transaction fee
  • Eligible bonus cash back categories are limited

Rates, fees & offers

  • Annual fee: $0
  • Bonus offer: Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening
  • Intro APR: 0% Intro APR on balance transfers and purchases for 15 months
  • Ongoing APR
    APR: 13.99% – 23.99% Variable APR
    Penalty APR: up to 29.99%
    Cash Advance APR: 25.24%
  • Balance Transfer Fee: Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.
  • Foreign transaction fee: 3%



  • Automatic Account Alerts: Alerts keep you informed and stress-free
  • Tap Your Card with Contactless Pay: Shop safely with a contactless-chip enabled card
  • Digital Wallets: Digital Wallets let you shop with confidence in millions of places online, within apps and in stores
  • Bank anywhere with the Citi Mobile® App: The Citi Mobile® App gives you access to your account virtually anywhere, anytime
  • Choose Your Payment Due Date: Choose to pay your bill on any available due date in the beginning, middle or end of the month

Citi Entertainment®

Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to music, sports, culinary experiences and more — from virtually anywhere.


  • Mastercard ID Theft Protection: Offered by Mastercard®, this program helps eliminate the worry of identity theft by monitoring and alerting cardholders if suspicious activity is found
  • $0 Liability on Unauthorized Charges: You’re completely protected against unauthorized charges on your account
  • Free Access to your FICO® Score: View your FICO® Score anytime, with no impact to your score. It’s updated monthly and easy to find on the Citi Mobile® App and Citi® Online
  • Fraud Early Warning: Fraud Early Warning monitors your account for suspicious activity
  • Citi® Quick Lock: Misplaced your card? Use Citi® Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

Did you like this card? Click on the button below and get yours right now.