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No fee$200 bonus
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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.
Last verified Mar 12, 2026. Confirm live issuer terms before applying.
Bottom line
Low-friction option if the rewards match your spend
- Best fit
- Best fit if everyday spend is already in your budget and you can route about $250/mo of normal spend.
- Watch out
- Low fee drag, but still compare the rewards against simpler cards.
Bonus ROI
13%
Welcome bonus on required spend
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
$1,500 / 6 mos
Welcome-offer threshold
Other
5%
Top eligible spend category each billing cycle, up to $500.
General spending
1%
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.
Good Fit If
Why you would choose it
- No annual fee
- Automatic 5% category optimization each cycle
- Simple earning without manual category selection
Think Twice If
Where it can disappoint
- 5% tier capped at $500 per billing cycle
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