Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Citi Custom Cash® Card

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Citi Custom Cash® Card Review

Earn $200 Cash Back After Spending $1,500 On Purchases In The First 6 Months!

Citi Custom Cash® Card Review

Citi Custom Cash® Card

Learn More

Earn $200 Cash Back After Spending $1,500 On Purchases In The First 6 Months!

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


The Citi Custom Cash® Card emerges as a game-changer in the crowded world of credit cards, especially for those who prefer a more tailored rewards experience. This card intelligently adapts to your spending habits, making it a unique offering in the financial marketplace. It’s designed for the savvy spender who desires flexibility and efficiency in earning rewards without the hassle of tracking rotating categories. With its user-friendly approach, the Citi Custom Cash® Card allows cardholders to maximize their rewards effortlessly, aligning with their most significant expenses each billing cycle.

Whether you’re a frequent traveler, a dining enthusiast, or someone with a penchant for online shopping, this card molds itself to fit your lifestyle. Its simplicity, combined with a robust rewards program, positions it as an attractive option for a wide range of consumers looking for value and convenience in their financial tools.

Welcome Bonus

A welcome bonus can be a compelling reason to choose a credit card, and the Citi Custom Cash® Card doesn’t disappoint in this regard. For new cardholders, the card offers an attractive sign-up incentive that is both accessible and rewarding.

Key Highlights of the Welcome Bonus:

  • Bonus Amount: The card features a generous welcome bonus, typically offering a substantial cash-back amount. This bonus is attainable after you meet a relatively modest spending requirement within the first few months of account opening. The exact bonus and spending requirements can vary, so it’s advisable to check the latest offer.
  • Ease of Achievement: Unlike some cards that set high spending thresholds, the Citi Custom Cash® Card’s welcome bonus is designed to be achievable for the average spender. This approach ensures that more cardholders can benefit from the bonus, making it a practical and appealing aspect of the card.
  • Timeframe for Qualification: The timeframe to meet the spending requirement for the welcome bonus is usually a few months, providing ample time for new cardholders to reach the target through their regular spending patterns.

Strategies for Maximizing the Welcome Bonus:

  1. Routine Purchases: Use the card for all your daily expenses, like groceries, gas, and recurring bills. This strategy helps in accumulating the required spend without the need for extra, unnecessary purchases.
  2. Large Planned Expenses: If you have upcoming significant expenses, such as home improvements or a major purchase, timing them with your new card can help quickly meet the bonus threshold.
  3. Avoid Unnecessary Spending: While chasing the welcome bonus, it’s crucial to avoid unnecessary spending. The goal is to use the card for planned and regular expenses rather than impulse buys.

In conclusion, the welcome bonus of the Citi Custom Cash® Card is a standout feature. It’s not just the amount that’s appealing, but also the practicality of achieving it. This bonus enhances the card’s overall value proposition, making it an attractive option for new cardholders looking for immediate rewards.

Earning Rewards

The Citi Custom Cash® Card stands out for its innovative approach to earning rewards. This card is specially tailored to adapt to your changing spending habits, ensuring that you maximize your rewards effortlessly.

Key Features of Earning Rewards:

  • Dynamic Earning Structure: The most distinctive feature of this card is its ability to automatically identify your highest eligible spending category each billing cycle and apply a higher cashback rate to those purchases. This adaptability ensures that you earn more in the categories where you spend the most, whether it’s groceries, dining out, travel, or online shopping.
  • Range of Eligible Categories: The card includes a broad range of categories for earning rewards, such as restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, and more. This diversity caters to a variety of lifestyles and spending habits.
  • Standard Earning Rate: For all other purchases outside of the highest spending category, you’ll still earn a base rate cash back. This ensures that every purchase on your card contributes to your rewards.

Strategies for Maximizing Rewards:

  1. Understand Your Spending: Analyze your monthly expenses to anticipate which category might earn the higher rate. Adjusting your spending to focus on one category each month can increase your rewards.
  2. Combine with Other Cards: If you have other credit cards with different rewards structures, use them strategically alongside your Citi Custom Cash® Card to maximize overall rewards from all your spending.
  3. Regular Review and Adjustment: Regularly review your spending and rewards to understand your earning patterns. Adjust your spending strategy if needed to align with your highest earning categories.

The Citi Custom Cash® Card is designed for those who seek simplicity without sacrificing reward potential. The automatic adaptation to your spending eliminates the need for manually activating bonus categories, making it a hassle-free option for earning rewards. Whether you’re a frequent diner, a regular online shopper, or someone with varied spending, this card molds its rewards structure to suit your lifestyle, ensuring that your everyday spending is always rewarding.

Redeeming Rewards

The Citi Custom Cash® Card not only makes earning rewards straightforward but also offers flexible and valuable options for redeeming them. This versatility ensures that the rewards you earn align with your preferences and needs.

Options for Redeeming Rewards:

  • Cash Back: One of the most straightforward redemption options is receiving your rewards as cash back. This can be in the form of a statement credit, direct deposit into a Citi bank account, or a check. This flexibility allows you to use your rewards in a way that best suits your financial situation.
  • Gift Cards and Shop with Points: The card offers a variety of gift cards from leading retailers and brands. Alternatively, you can use your rewards to shop directly at select merchants or through online marketplaces.
  • Travel: For those who love to travel, rewards can be redeemed for various travel expenses, including flights, hotels, and car rentals. This makes the Citi Custom Cash® Card a potentially valuable tool for travelers.
  • Transfer to ThankYou Points: If you’re a member of Citi’s ThankYou Rewards program, you can convert your cash back into ThankYou Points, which may offer additional redemption opportunities, including transferring to airline partners.

Maximizing Your Redemption Value:

  1. Choose the Right Redemption Option: Consider the redemption options and choose the one that offers the best value for your needs. For example, redeeming for travel may offer a higher value per point than other options.
  2. Combine with ThankYou Points: If you have other Citi cards that earn ThankYou Points, combine your rewards to unlock more valuable redemption options, including transfers to airline partners.
  3. Timing Your Redemptions: Keep an eye out for special promotions or changes in the redemption rates, which can occasionally offer more value for your points.

In conclusion, the Citi Custom Cash® Card excels not just in earning rewards but also in offering diverse and valuable redemption options. Whether you prefer cash back, shopping, gift cards, or travel, this card provides the flexibility to use your rewards in a way that aligns with your personal and financial goals.

Perks and Benefits

The Citi Custom Cash® Card is not just about earning and redeeming rewards; it also comes packed with a suite of perks and benefits that enhance its overall value proposition. These features cater to a wide range of needs, from travel enthusiasts to those looking for shopping protections.

Travel Benefits:

  • No Foreign Transaction Fees: One of the most significant benefits for travelers is the absence of foreign transaction fees, making it an ideal card for international travel.
  • Travel Protection: The card may offer various travel-related protections such as trip cancellation and interruption protection, lost luggage assistance, and more, providing peace of mind while traveling.

Shopping and Security Benefits:

  • Extended Warranty: Purchases made with the card often come with an extended warranty, adding additional protection beyond the manufacturer’s warranty.
  • Purchase Protection: This benefit provides coverage for new purchases against damage or theft, offering a layer of security for your shopping.
  • Fraud Protection: The card features robust fraud protection measures, ensuring that you’re not held responsible for unauthorized charges.

Convenience and Lifestyle Benefits:

  • Citi Entertainment®: Cardholders have access to Citi Entertainment®, offering exclusive access to tickets for music, sports, dining, theater, and more, enhancing your entertainment experiences.
  • Digital Wallet Compatibility: The card is compatible with various digital wallets, making transactions seamless and convenient.

Strategies for Maximizing Benefits:

  1. Understand the Benefits: Familiarize yourself with all the benefits the card offers. Knowing what’s available ensures you can take full advantage of them.
  2. Use for Travel Purchases: Utilize the card for travel bookings to leverage the no foreign transaction fees and travel protections.
  3. Make Key Purchases on the Card: For big-ticket items, using the card can provide additional warranty and purchase protection, adding value to your purchases.
  4. Stay Updated on Offers: Regularly check for new offers and benefits that may be added to the card, ensuring you don’t miss out on any opportunities.

In conclusion, the Citi Custom Cash® Card goes beyond the basics of cash back and reward points. Its array of perks and benefits adds a layer of value, making it not just a tool for saving money but also an ally in enhancing your travel, shopping, and lifestyle experiences.

Pros and Cons

The Citi Custom Cash® Card, like any financial product, has its advantages and drawbacks. Understanding these can help determine if it’s the right card for your needs.


  • Flexible Rewards Program: The card’s unique selling point is its dynamic rewards program, which automatically adjusts to your top spending category each billing cycle. This flexibility is ideal for those with changing spending habits.
  • No Annual Fee: The absence of an annual fee makes it an economical choice, particularly attractive for those who prefer not to pay for the privilege of owning a credit card.
  • Welcome Bonus: The card offers a straightforward and attainable welcome bonus, adding immediate value for new cardholders.
  • Diverse Redemption Options: With various redemption choices, including cash back, travel, and gift cards, the card provides flexibility in how you use your rewards.
  • Additional Benefits: The card includes perks like no foreign transaction fees, an extended warranty, and purchase protection, enhancing its overall value.


  • Cap on Higher Rewards Rate: The higher cashback rate is capped at a certain spending limit each billing cycle. After reaching this cap, earnings revert to the base rate.
  • Limited Travel Benefits: Compared to dedicated travel cards, the travel benefits are less extensive, which might be a downside for frequent travelers.
  • No Specialized Bonus Categories: The card doesn’t offer specialized bonus categories like some other cards, which could be a drawback for those with consistently high spending in specific areas.

In summary, the Citi Custom Cash® Card is an excellent option for those seeking flexibility and value without an annual fee. However, its reward cap and limited specialized benefits might not suit everyone’s needs.

Comparison to Other Cards

When choosing a credit card, it’s essential to understand how it compares to other options in the market. The Citi Custom Cash® Card, with its unique features, stands out in several ways.

Comparison with Similar Cash Back Cards:

  • Adaptive Rewards Structure: Unlike many cash-back cards with fixed categories or rotating bonus categories that require activation, the Citi Custom Cash® Card automatically adjusts to your top spending category each billing cycle. This flexibility is a significant advantage for those who have varying spending patterns.
  • Earning Potential: While some cards offer higher cash-back rates in specific categories, the Citi Custom Cash® Card provides a competitive rate in your highest-spend category, which can be more beneficial if your spending is not consistent in one area.

Comparison with Travel Rewards Cards:

  • Simplicity in Earning and Redeeming: Travel cards often have complex points systems and redemption options. In contrast, the Citi Custom Cash® Card keeps earning and redeeming straightforwardly, appealing to those who prefer simplicity.
  • Travel Benefits: While it offers no foreign transaction fees, the Citi Custom Cash® Card may not have as extensive travel benefits as some dedicated travel cards. However, its travel redemption options are still attractive for casual travelers.

Comparison with Premium Credit Cards:

  • Annual Fee: One of the most significant advantages of the Citi Custom Cash® Card is its lack of an annual fee, making it a more accessible option compared to premium cards that come with high fees.
  • Perks and Benefits: While premium cards may offer more extensive perks, the Citi Custom Cash® Card still provides a valuable array of benefits, especially considering there is no annual fee.

In conclusion, the Citi Custom Cash® Card holds its own in a competitive market. Its adaptability in earning rewards, combined with the lack of an annual fee and a solid set of benefits, makes it a compelling choice for a wide range of consumers, from those who prioritize flexibility in rewards to those seeking a simple yet effective rewards card.


The Citi Custom Cash® Card is a standout choice for those who value flexibility and simplicity in a credit card. Its unique adaptive rewards program, combined with no annual fee, makes it an attractive option for a variety of spenders. While it may not cater to every need, especially for those seeking extensive travel perks or higher rewards in specific categories, its overall package is compelling. This card is ideal for anyone looking for an effortless way to maximize rewards on everyday spending, making it a worthy addition to their wallet.

Frequently Asked Questions

1. What should I consider when choosing a credit card?

  • Consider factors like annual fees, interest rates, rewards programs, and additional benefits that align with your spending habits and financial goals.

2. How can I maximize credit card rewards?

  • Use your card for everyday purchases, pay attention to bonus categories, and combine usage with other rewards cards to optimize earnings.

3. What’s the importance of a good credit score when applying for a credit card?

  • A good credit score increases your chances of being approved and may qualify you for cards with better rewards and lower interest rates.

4. How do I maintain a healthy credit card usage?

  • Pay your bills on time, keep balances low, regularly review your statements, and use your credit card responsibly.

5. Are credit card rewards taxable?

  • Generally, credit card rewards are not taxable as income. However, bonuses for referrals or substantial non-purchase rewards might be an exception.
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