Custom Cash

Annual fee: $0
Network: mastercard
Type: personal

Earn 5% cash back on your top eligible spend category each billing cycle (up to $500 spent, then 1%), plus 1% cash back on all other purchases.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Earning rates

All other purchases
Applies to all purchases that are not in your top eligible spend category, and to spend in your top eligible category that exceeds the $500 monthly billing cycle limit.
1×
cash back
Top earn
Top eligible spend category
Earned automatically on up to $500 spent in your highest billing cycle spend category from the following list: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment. (1% thereafter).
5×
cash back
Top earn
Travel (hotels, car rentals, and attractions)
Earned on hotels, car rentals, and attractions booked through the Citi Travel portal through June 30, 2026.
5×
cash back
Citi Travel

On-card benefits & credits

Free FICO Credit Score
$0
/Annual
Cardholders can check their FICO credit score at no stated cost.
Mastercard ID Theft Protection
$0
/Annual
Provides identity-theft protection through Mastercard. The source does not state enrollment details, limits or a dollar value.
Zero Liability for Card Fraud
$0
/Annual
Cardholders are not liable for unauthorized card fraud, subject to applicable terms.

Other Citi cards

Is the Custom Cash right for your spend?

Drop in your typical monthly spend and we'll show exactly how much this card would earn you — plus how it stacks up against your current wallet.

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