Citi Custom Cash(SM) 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 Custom Cash review.

Citi Custom Cash

Our Rating

4.7/5.0

Welcome Offer

Earn $200 in cash back

Annual Fee

$0

0% on Purchases

15 months

Reward Rate

1% – 5%

0% on Balance Transfers

15 months

>>Check Out This and Other Cash Back Credit Cards Here

Welcome Offer

Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

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

Rewards

1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
5% cash back
Select Categories
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3%
Regular APR19.24% - 29.24% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 19.24% - 29.24%(V) APR after that.
Balance Transfer FeeBalance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Purchases0% Intro APR for 15 months on purchases, then 19.24% - 29.24% (V) APR after that.

What Credit Score Is Required to Get the Citi Custom Cash® Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 720

Average Approved Credit Score: 777

App StatusDateCredit ScoreBureauCredit Limit
Approved02/06/2023
748
Experian
$3,800
Approved02/06/2023
759
TransUnion
$3,800
Approved02/06/2023
761
Equifax
$3,800
Approved10/04/2023
784
Experian
$5,300
Approved10/04/2023
801
TransUnion
$5,300
Approved10/04/2023
811
Equifax
$5,300
Approved09/13/2023
800
Not Provided
$11,600
Approved10/24/2023
720
Equifax
$8,000
Approved07/17/2023
790
Equifax
$3,000
Approved01/17/2023
800
TransUnion
$5,300
Denied05/12/2023
800
Not Provided
---
Denied05/19/2024
762
Not Provided
---

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

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

Citi<sup>®</sup> Double Cash Card
Citi® Double Cash Card

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

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