Review
Citi Custom Cash® Card Review: Top Cash Back, Automatically, On Your Biggest Spend
Looking for a straightforward cash-back card? The Citi Custom Cash® Card automatically gives you 5% back on your top spending category each month, making it a smart, no-fuss choice.
| Annual Fee | $0.00 |
| Sign-up Bonus | $200 cash back bonus |
| Rewards Rate | 1%-5% Cash Back |
| Intro APR | 0% for 18 months on balance transfers from date of account opening |
| Regular APR | After the introductory period ends, a variable APR of 17.49% - 27.49%, based on your creditworthiness, applies to unpaid promotional balances and new balance transfers. The variable APR for purchases is 17.49% - 27.49%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 17.49% - 27.49%, based on creditworthiness. The variable APR for cash advances is 29.74%. Variable Penalty APR up to 29.99% and applies if you pay late or your payment is returned. |
| Other Fees | 5% ($5 minimum) of each transfer, completed within first 4 months of account opening 5% ($5 minimum) of each transfer Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee - either $5 or 5% of the amount of each transfer, whichever is greater. Minimum interest charge – $0.50. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. |
Overview
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
Things to consider
- High regular APR
- Limited rewards categories
- Foreign transaction fees apply
- High balance transfer fee
Benefits
Drawbacks
Decision Guidance
Summary
The Citi Custom Cash Card is a mixed bag. Its standout feature is the 5% cash back on a top spending category, which can be very valuable for users who can maximize this benefit. The lack of an annual fee is also a significant advantage. However, the...