Citi Custom Cash

No. The Citi Custom Cash carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 20, 2026. Rates change — confirm the current terms at the issuer.

17.49% – 27.49% variable. There is also an intro rate: 0% for 18 months on purchases and balance transfers (must complete within 4 months of account opening). APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Yes — 3% per purchase made outside the U.S. Factor that in if you travel or shop internationally.

Closed to new applicants — Citi stopped taking Custom Cash applications on 2026-05-28. Existing cardholders deciding whether to keep it: moderate spenders who concentrate buying in one category each month — groceries, gas, dining, or streaming — and want an automatic 5% without activating anything.

New applicants — the card isn't open for new applications; Citi now points signups to Citi Double Cash. Among existing cardholders: high-volume spenders in a single category (the 5% is capped at $500 of spend per billing cycle, so $25/month is the ceiling on the bonus) and international travelers — the 3% foreign transaction fee makes it a poor abroad card.

Citi Custom Cash scored 85/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.