Custom Cash Card Review 2026
Citi Custom Cash automatically gives 5% back in your top eligible monthly category up to the cap. It is useful as a targeted category card alongside a flat-rate card.
Your card estimate
Net first-year value
First year
+$500
Base rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $1,500 in rewards.
SwitchWize take
Intro APR planning card
Bonus value
$200
Rewards
5% cash back
Annual fee
$0
APR
15mo 0%
Pros & cons
- Automatic 5% top-category rewards
- No annual fee
- No category activation required
- Intro APR offer
- 5% rewards are capped monthly
- Foreign transaction fee applies
- Only one top category earns 5%
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Offer history
How today's bonus compares
Current public welcome offer
$200
Observed Jun 21, 2026
12-month best
$200
1 tracked observation
Signal
At or near tracked best
Last history update Jun 21, 2026
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$0 annual fee
18.49%-28.49% variable
Spend requirement: $1,500 in first 6 months
Citi terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
The intro window is 15 months. Plan the payoff before the standard APR starts.
5% rewards are capped monthly
Comparison set