CitiEditor's ChoiceBest for Category flexibility
Citi Custom Cash® Card
Annual Fee
$0
Rewards Rate
1%-5%
Intro Offer
$200
Regular APR
19.24%-29.99% Variable
Citi Custom Cash® Card
Citi Custom Cash® Card
5% cash back on your top eligible category each month.
Our take
Automatically earns 5% on your top spending category (up to $500/quarter). Great for gas, groceries, or dining depending on your habits.
Highlights
What we like
5% on top category (up to $500/quarter)
No annual fee
Categories include gas, groceries, dining
The trade-off
Only one category earns 5% per month
Foreign transaction fee
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1%-5% |
| Rewards type | Cash back |
| Bonus categories | 5% on gas5% on groceries5% on dining |
| Welcome offer | $200 |
| Offer requirements | after $1,500 spend in first 6 months |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 15 months |
| Ongoing APR | 19.24%-29.99% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
after $1,500 spend in first 6 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Citi Custom Cash® Card