Citi Custom Cash
Citi · Cashback review
Moderate spenders who concentrate buying in one category each month — groceries, gas, dining, or streaming — and want an
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
Variable APR — verify current range at citi.com
Variable — verify the current range at the issuer
Intro APR
0% intro APR on purchases and balance transfers (verify current period at citi.com)
Then the ongoing APR applies
As of July 8, 2026
Best for
Moderate spenders who concentrate buying in one category each month — groceries, gas, dining, or streaming — and want an automatic 5% without activating anything. It also carries a 0% intro-APR window, so it doubles as a short-term financing card.
Not for
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.
The catch
The 5% only applies to your single highest eligible category each cycle, up to $500 of spend. Above that cap, or across your other categories, you're earning 1%. It rewards concentrated, moderate spending — not broad or heavy spending.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% intro APR on purchases and balance transfers (verify current period at citi.com)
- Ongoing APR
- Variable APR — verify current range at citi.com
- Foreign transaction fee
- 3%
- Balance transfer fee
- See issuer terms
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the Citi Custom Cash charge an annual fee?
No. The Citi Custom Cash carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Citi Custom Cash charge?
Variable APR — verify current range at citi.com. There is also an intro rate: 0% intro APR on purchases and balance transfers (verify current period at citi.com). APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Citi Custom Cash charge foreign transaction fees?
Yes — 3% per purchase made outside the U.S. Factor that in if you travel or shop internationally.
Who is the Citi Custom Cash best for?
Moderate spenders who concentrate buying in one category each month — groceries, gas, dining, or streaming — and want an automatic 5% without activating anything. It also carries a 0% intro-APR window, so it doubles as a short-term financing card.
Who should skip the Citi Custom Cash?
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.
How did ClearValue score the Citi Custom Cash?
Citi Custom Cash scored 85/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
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