The Ultimate Guide to Credit Cards
Wednesday, June 29, 2022

Citi Custom Cash℠ Card

► 2022 Review, Application & Rates

"If you're looking for a no-frills cash back card, this is a solid contender. We appreciate that you don't have to sign up for rotating bonus categories, and the issuer consistently sweetens the pot with special offers for new cardholders."
- Toby Sembower,
Advertiser Disclosure
Citi Custom Cash℠ Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness.
  • 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. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 months Purchases and Balance Transfers
0% 15 months Purchases and Balance Transfers
15.49% - 25.49% (Variable)
$0
Excellent, Good

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #15 out of 18)
★★★★★
4.5
0% Intro APR
(Ranked #23 out of 34)
★★★★★
4.5
Best Overall
(Ranked #28 out of 158)
★★★★★
4.7
Cash Back
(Ranked #5 out of 49)
★★★★★
4.8
Excellent Credit
(Ranked #26 out of 61)
★★★★★
4.7
Good Credit
(Ranked #12 out of 66)
★★★★★
4.8
Low APR
(Ranked #26 out of 43)
★★★★★
4.5

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.