Citi Custom Cash Card Delivers 5% Cash Back, $0 Annual Fee and 0% Intro APR
Citi Custom Cash Card pairs automatic 5% cash back on your top spend up to $500 per billing cycle with no annual fee and 0% intro APR for 15 months
Why the Citi Custom Cash Card stands out
If you want a no-nonsense cash back card in the United States, the Citi Custom Cash Card delivers a simple, high-value formula. Cardholders get automatic 5% cash back on their top eligible spend each billing cycle, which makes everyday savings effortless.
With no annual fee and a smart rewards structure, the Citi Custom Cash Card is built for people who prefer one strong bonus category rather than juggling multiple rotating offers. The card adapts to your spending so you do not have to track categories every quarter.
Rewards, welcome offer and APR details
The Citi Custom Cash Card pays 5% cash back on your single highest qualifying spend each billing cycle, up to $500, and 1% after that, plus a $0 annual fee. New cardmembers can also earn a $200 cash back welcome bonus after meeting the initial spend requirement and enjoy 0% intro APR on purchases and balance transfers for 15 months.
Ongoing APRs are competitive for credit cards in this category, so carrying a balance is less expensive than some alternatives, but you should still pay on time to avoid interest. The combination of 5% cash back, a strong intro APR and no annual fee makes the Citi Custom Cash Card a top pick for practical American consumers.
How to use the Citi Custom Cash Card to maximize savings
To get the most from the Citi Custom Cash Card, concentrate your biggest monthly category spend on the card — think supermarkets, gas stations, or dining — so the 5% cash back kicks in. Because the bonus applies to your top spend category automatically, it is ideal for households with predictable monthly priorities.
Pair the Citi Custom Cash Card with a secondary rewards card for purchases beyond the $500 high-earn cap to keep overall cash back high. Also use Citi’s mobile app and online account tools to monitor your top spend category and track statement credits and redemptions.
Who should apply and final considerations
The Citi Custom Cash Card fits U.S. consumers who want a straightforward, high-impact cash back card without an annual fee. If your monthly spending tends to concentrate in one category, this card delivers outsized value while remaining simple to use.
Before applying, check your credit score and compare alternatives like rotating-category cards if your spending is more varied. If you value ease, a 5% cash back on your top spend, 0% intro APR for 15 months and no annual fee, the Citi Custom Cash Card is likely a strong addition to a smart wallet.