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

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.

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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

Security	EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless Payments	Tap to Pay, Apple Pay, Google Pay
Benefits	24/7 customer service
Travel Perks

Interest Rates & Fees

Annual Fee	$0
Foreign Transaction Fee	3% of each purchase transaction in US dollars.
Regular APR	18.24% - 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/10/2021	724	Experian	$7,800
Approved	06/10/2021	728	Equifax	$7,800
Approved	06/10/2021	792	Experian	$8,000
Approved	06/10/2021	813	TransUnion	$6,500
Approved	06/12/2021	809	Experian	$11,600
Approved	06/10/2021	809	Equifax	$6,500
Approved	06/10/2021	783	TransUnion	$3,400
Approved	06/14/2021	714	Experian	$3,500
Approved	06/13/2021	759	Experian	---
Denied	06/10/2021	810	Equifax	---

What Are the Best Alternatives?

Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Read Review

PayPal Cashback Mastercard

Rating

4.9

Rewards Range

2% to 3%

Annual Fee

$0

Read Review

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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