Citi Custom Cash

What Is the Citi Custom Cash Card?

The Citi Custom Cash is a cashback credit card that tailors its rewards based on where you spend the most each billing cycle.

It offers 5% cashback on your highest eligible spending category (up to $500 per billing cycle), making it ideal for people whose spending varies month to month.

You’ll also earn 1% cashback on all other purchases, ensuring you still earn rewards no matter how you spend.

Key Features of the Citi Custom Cash Card

Automatic Category Adjustment: Unlike other credit cards that require you to manually select reward categories, the Citi Custom Cash Card automatically identifies your top spending category each month. This could be anything from groceries, gas, dining, travel, or streaming services.

5% Cashback on Top Spending Category: Each billing cycle, you’ll earn 5% cashback on your highest-spend category, up to $500. After reaching the $500 limit, purchases in that category will still earn 1% cashback.

No Annual Fee: The Citi Custom Cash comes with no annual fee, making it a great option for cardholders looking to maximize cashback without the burden of an annual cost.

Intro APR Offer: New cardholders can take advantage of a 0% introductory APR on purchases and balance transfers for 15 months. After the intro period, a variable APR applies.

Flexible Redemption Options: Cashback earned with the Citi Custom Cash Card can be redeemed as a statement credit, direct deposit, or converted to gift cards, giving you the flexibility to use your rewards in a way that best suits your needs.

How to Maximize Rewards with Citi Custom Cash

To make the most of your Citi Custom Cash, focus on spending in categories that frequently rotate as your highest expenditure.

Here are some tips to help you maximize your cashback:

Track your spending habits: Regularly review where your money goes each month. Whether it’s groceries or dining, try to align your purchases with your anticipated top category.

Pair with another rewards card: If you have a flat-rate cashback card or another card with rotating categories, use your Citi Custom Cash Card strategically to get the best rewards in categories where the other card might fall short.

Take advantage of the 5% cap: Try to keep your spending in your top category at or around $500 each month to fully benefit from the 5% cashback rate.

Who Should Consider the Citi Custom Cash Card?

The Citi Custom Cash℠ Card is an excellent choice for individuals who have diverse spending patterns and don’t want to bother with manual category selection. It’s especially beneficial for:

Flexible Spenders: If your spending habits shift frequently, this card’s automatic adjustment to your highest category ensures you always get the best rewards possible.

People who dislike category tracking: The Citi Custom Cash does the work for you, making it hassle-free to earn rewards without worrying about category limits.

Budget-conscious individuals: With no annual fee, this card is ideal for anyone looking for solid rewards without additional costs.

Conclusion: Is the Citi Custom Cash Card Right for You?

The Citi Custom Cash Card offers a unique and convenient way to earn 5% cashback on your top spending category, automatically adjusting to fit your lifestyle.

With no annual fee and a 0% intro APR offer, it’s a fantastic option for those who want flexibility, simplicity, and rewards without the extra costs.

If you’re looking for a versatile card that works for various spending patterns, the Citi Custom Cash might be the perfect addition to your wallet.