If your top spending categories shift each month, then the Citi Custom Cash® Card is designed for you. Each billing cycle, you’ll earn bonus cash back in whichever category you spend the most. No need to choose categories or enroll—the earnings are automatic.
Rewards: Earn 5% cash back on purchases in a top eligible spend category up to the first $500 spent each billing cycle, 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025 and 1% cash back on all other purchases.
Welcome offer: Earn $200 in cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus points come in the form of 20,000 ThankYou® Points that can be redeemed for $200 cash back.
Annual fee: $0
Other benefits and drawbacks: Eligible 5% categories include restaurants, gas stations, grocery stores, select travel, select transit, streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. That can help you hit high earning rates in shopping categories not usually covered by other cards. Plus, rewards are issued in the form of Citi ThankYou Points for multiple redemption options (including cash).
High rewards earning is capped at $500 in spending each month, so this card isn’t ideal for large spend areas like groceries or as a primary credit card. Citi only issues one Custom Cash per person, so if you want to open multiple cards to double dip on categories, you’re out of luck.