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You are here: Home / Credit Cards / Citi Custom Cash Card Review–5% Cash Back with No Rotating Categories

Citi Custom Cash Card Review–5% Cash Back with No Rotating Categories

June 15, 2021 by Rob Berger

The Citi Custom Cash Card is a high-earning cash back card that gives card holders up to 5% cash back on purchases without annoying rotating categories. Furthermore, you earn 5% cash back in whatever category you spend the most money on, so this is a great card if you spend a lot in a unique category. However, there is a cap of $500 per month, so you can only earn $25 in cash back rewards. This card also comes with no annual fee, a signup bonus, and 0% APR on purchases and balance transfers. We dive into the details and your approval odds in this review.

Citi Custom Cash Card
Learn More
Our Rating
4.7/5.0
Welcome Offer
$200
Annual Fee
$0
0% on Purchases
15 Months
Rewards Rate
1% - 5%
0% on Balance Transfers
15 Months

Welcome Bonus

Get $200 cash back when you spend $1,500 in the first 6 months.

Pros & Cons

Pros

  • Sign-up bonus
  • 5% cash back
  • Unlimited 1% cash back on all other purchases
  • $0 annual fee
  • 0% Intro APR for first 15 months

Cons

  • Earning cap every billing cycle on 5% cash back ($500)
  • Foreign transaction fee

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
Benefits24/7 customer service
Travel Perks

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each purchase transaction in US dollars.
Regular APR18.24% - 28.24% (V) APR

What Credit Score Is Required to Get the

Based on data we’ve collected from public forums, a credit score of 720 or higher is ideal. We have seen an approval with a score as low as 690, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved06/10/2021
724
Experian
$7,800
Approved06/10/2021
728
Equifax
$7,800
Approved06/10/2021
792
Experian
$8,000
Approved06/10/2021
813
TransUnion
$6,500
Approved06/12/2021
809
Experian
$11,600
Approved06/10/2021
809
Equifax
$6,500
Approved06/10/2021
783
TransUnion
$3,400
Approved06/14/2021
714
Experian
$3,500
Approved06/13/2021
759
Experian
---
Denied06/10/2021
810
Equifax
---

What Are the Best Alternatives?

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Read Review
PayPal Cashback Mastercard
PayPal Cashback Mastercard

Rating

4.9

Rewards Range

2% to 3%

Annual Fee

$0

Read Review
SoFi Credit Card
SoFi Credit Card

Rating

3.5

Rewards Range

2x points and up to 3% cash back

Annual Fee

$0

Read Review

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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