Citi custom cash® – Automatic Rewards Tailored to Your Lifestyle

A smarter way to earn cash back — flexible, automatic, and made for people who don’t have time to track categories.

Let your credit card work as hard as you do. The Citi Custom Cash® Card automatically adjusts to your spending habits, helping you earn more without effort.

Imagine a cash-back credit card that pays attention to your spending and adjusts itself automatically. That’s exactly what the Citi Custom Cash® Card does. Instead of forcing you to pick categories or remember rotating schedules, this card intelligently adapts to your lifestyle each month.

Every billing cycle, you’ll get 5% cash back on your highest eligible spending category (up to $500), and 1% unlimited cash back on everything else. This means you never have to worry about missing out on rewards simply because your priorities changed.

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Citi custom cash®

CASH BACK $0 Annual Fee

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Whether you’re filling your tank more often, stocking up on groceries, or enjoying dinners out, the Citi Custom Cash® Card keeps up — effortlessly. And with no annual fee, Citi’s robust digital tools, and enhanced security, this card is designed to bring simplicity and value to your everyday spending.

Benefits of the Citi custom cash®

• Smart Cash Back That Learns From You

The main feature that makes the Citi Custom Cash® Card shine is its intelligence. Each month, it identifies your top eligible spending area — groceries, gas, travel, dining, or streaming — and applies 5% cash back there automatically.

This adaptive model eliminates guesswork, ensuring you always earn the most where you spend the most. It’s perfect for people who want meaningful rewards but don’t want to manage multiple cards or rotating offers.

• Consistent Rewards on All Other Purchases

Every other purchase earns 1% cash back, which ensures you’re always rewarded for every swipe. From small daily expenses to online shopping, your spending never goes unrewarded.

This reliable system turns even your routine transactions into long-term value, helping you accumulate savings effortlessly.

• No Annual Fee for Maximum Value

The Citi Custom Cash® Card charges no annual fee, making it one of the most accessible high-reward cards available.

You can enjoy the full benefits of 5% cash back without worrying about offsetting an annual charge. For consumers focused on keeping costs low while earning more, it’s a practical and sustainable choice.

• Low Introductory APR for Purchases and Transfers

Citi often offers a 0% introductory APR on purchases and balance transfers for a promotional period. This gives you breathing room to pay off large purchases or consolidate higher-interest debt while earning rewards.

It’s a balanced option for anyone looking to manage their finances strategically while maintaining reward potential.

Easy-to-Use Digital Experience

Citi’s Mobile App and online platform make managing your card effortless. You can:

• Monitor spending and track rewards in real-time.
• Redeem cash back instantly.
• Set up alerts and spending summaries.
• Lock or unlock your card instantly for security.

This tech-driven convenience empowers you to stay in control of your finances with just a few taps.

Why the Citi custom cash® Is Different

While many cash-back cards require users to manually select or activate categories, the Citi Custom Cash® Card eliminates that hassle entirely. Its automatic reward adjustment means you never have to think twice about optimizing your benefits.

It’s the ideal mix of convenience and customization, combining Citi’s trusted financial reputation with forward-thinking design. For modern consumers, that’s exactly the kind of flexibility that makes daily spending smarter.

How the Citi custom cash® Saves You More

Here’s a quick estimate of how the Citi Custom Cash® Card can help you save over a year:

With consistent monthly spending, those numbers can easily accumulate into hundreds of dollars in rewards every year — completely automatically.

Top-Notch Security and Protection

Citi integrates industry-leading protection into every account. The Citi Custom Cash® Card offers:

• Zero Liability Protection: You’re never held responsible for unauthorized charges.
• 24/7 Fraud Monitoring: Citi watches for suspicious activity around the clock.
• Contactless Payment Technology: Pay quickly and securely in person or online.
• Instant Account Freeze: Lock your card instantly via the mobile app if misplaced.

This level of protection ensures peace of mind without compromising convenience.

Eligibility Criteria

To qualify for the Citi Custom Cash® Card, applicants generally need to meet the following:

• A good to excellent credit score (usually 700 or above).
• Stable, verifiable income.
• U.S. residency with a valid Social Security number.

These standards help ensure access to Citi’s most favorable credit terms and benefits.

Application Process

Applying for the Citi Custom Cash® Card is quick and straightforward:

1. Visit the official Citi website.
2. Locate the Citi Custom Cash® Card page.
3. Click on “Apply Now.”
4. Enter your personal and financial details accurately.
5. Review all APR, reward, and promotional details before submitting.
6. Submit your application for near-instant results.

Once approved, your card can be added to Apple Pay®, Google Pay™, or Samsung Pay®, so you can start earning cash back immediately.

Frequently Asked Questions

1. Does the Citi Custom Cash® Card have an annual fee?
No. It’s a no-annual-fee card, allowing you to earn rewards without paying to keep your account active.

2. How does Citi decide my 5% category?
Each billing cycle, the card automatically applies the 5% rate to the eligible category where you spent the most, up to $500.

3. Can I redeem cash back for travel or statement credits?
Yes. You can redeem your rewards for statement credits, direct deposits, gift cards, or travel through Citi thankyou® Rewards.

4. How secure is this card for online purchases?
Extremely. Citi uses advanced encryption, fraud alerts, and contactless payment technology to ensure your account is protected.

CREDIT CARD

Citi custom cash®

CASH BACK $0 Annual Fee

APPLY NOW You will be redirected