Top perks
A few key benefits make the Citi Custom Cash® Card a great value.
Up to 5% back
The Citi Custom Cash® Card earns 5% cash back in your top eligible spending category every billing cycle, up to a spending cap of $500. Other purchases earn 1% cash back, including bonus category purchases beyond that $500 spending cap. Here are the categories that are eligible to earn 5% back:
- Restaurants
- Gas stations
- Grocery stores
- Select travel
- Select transit
- Select streaming services
- Drugstores
- Home improvement stores
- Fitness clubs
- Live entertainment
That high cash back rate is the card's most valuable perk. Not many cash back credit cards offer 5% back, and to make it even better, you get it in whichever category you spend the most. If you max it out by always spending $500 in your top bonus category, that's $25 cash back per billing cycle, which can add up to $300 per year.
You can also earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
OTHER OPTIONS: Best Gas and Groceries Credit Cards
$200 cash back sign-up bonus
You'll earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. The bonus offer is fulfilled as 20,000 Citi ThankYou® Points, which can be redeemed for $200 cash back. If you have a Citi travel card, such as the Citi Strata Premier℠ Card, you can also transfer points to Citi's travel partners.
This is one of the better credit card sign-up bonuses. It offers a large bonus amount, and you don't need to spend too much to get it. If you put at least $250 in purchases per month on the card, you'll spend enough to get the welcome bonus.
No annual fee
If you're looking to avoid extra credit card fees, the Citi Custom Cash® Card will work for you. It's a no annual fee card, so you can carry it free of charge.
SEE MORE: Best No Annual Fee Credit Cards
0%, 15 months APR offer
The Citi Custom Cash® Card packs in a long 0% intro APR offer for 15 months on both purchases and balance transfers. Balance transfers must be completed within the first four months of account opening to qualify for the 0% intro APR. The go-to 19.24% - 29.24% (Variable) APR applies after the intro period is over.
A 0% intro APR can help you finance the cost of large purchases or get out of debt faster. This perk gives you another way to save money with the Citi Custom Cash® Card.
MORE OPTIONS: Best 0% APR Credit Cards
Free FICO® Score
One of the nice things about Citi credit cards is that they provide free access to your FICO® Score. This is the most widely used type of credit score by lenders. You'll be able to monitor it every month, see the factors that are affecting it, and learn how to improve your credit.