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Citi
Citi Custom Cash Card
Citi Custom Cash automatically applies the highest reward tier to your top eligible category each billing cycle up to $500 in spend, then 1% thereafter.
Best for General spendingCash backPersonal cardGood+ credit
Year-one value
$496
Balanced assumption model with the welcome offer included.
Ongoing value
$296
Rewards plus usable credits minus the annual fee.
Welcome offer
$200
$1,500 in 6 months
Usable credits
None
Assumes 70% real-world usage.
Modeled on a balanced $2,470/month spend mix, 1.5 cpp point valuation, and 70% credit usage.
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
$1,500 / 6 mos
Welcome-offer threshold
Offsetting credits
None listed
No recurring credits in dataset
Bonus ROI
13.3%
Welcome bonus on required spend
How You Earn
Where this card pays you back
Other
Top eligible spend category each billing cycle, up to $500.
General spending
Credits And Perks
What actually offsets the fee
Flexible Citi Rewards Redemptions
The card stays inside Citi’s cash-back or ThankYou-style redemption ecosystem with simple digital redemption options.
No Annual Fee
You can keep the card long term without paying a recurring annual fee.
Everyday Cashback Simplicity
The card is built around easy day-to-day redemption without needing to manage a complex points program.
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