Review
Citi Custom Cash® Card Review: Earns 5% Back on Top Spending Category
Looking for a straightforward way to earn rewards? The Citi Custom Cash® Card automatically gives you 5% cash back on your top spending category each month, making it a great no-annual-fee option.
| Annual Fee | $0.00 |
| Regular APR | after that, the variable APR will be % - %, based on your creditworthiness. Purchase Rate: % - % Variable APR, based on your creditworthiness. The standard variable APR for Citi Flex Plan is % to %, based on your creditworthiness. The standard variable APR for cash advances is %. The variable penalty APR is up to % and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge — $. |
| Intro APR | Low Intro APR on Balance Transfers for months. % Intro APR for months on balance transfers from date of account opening; after that, the variable APR will be % - %, based on your creditworthiness. Introductory rate of % for months from the date of account opening on purchases and an introductory rate of % for months from date of account opening for balance transfers completed within months of account opening. |
| Rewards Rate | 1%-5% Cash Back |
| Sign-up Bonus | $ cash back |
| Other Fees | Fee for foreign purchases — % of each purchase transaction in US dollars. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. |
Overview
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- Rotating bonus categories
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 solid offering with a unique rewards structure, offset by some drawbacks. Its standout feature is the 5% cash back on the top spending category, making it highly valuable for targeted spending. The lack of an annual fee...