Citi Custom Cash® Card
Citi · Mastercard
4.4/5 RatingGood to Excellent (670+)
Key Details
- Annual Fee
- None
- Regular APR
- 19.24%–29.24%
- Intro APR
- 0% intro APR for 15 months on purchases and balance transfers
- Foreign Transaction Fee
- 3%
- Balance Transfer Fee
- 3% or $5
- Rewards Rate
- 1%–5% cash back
Sign-Up Bonus
$200 cash back after spending $1,500 in first 6 months
Rewards Structure
- Top spending category each cycle (up to $500)5%
- All Other Purchases1%
Pros
- ✓Automatic 5% in your top spending category
- ✓No annual fee
- ✓0% intro APR for 15 months
- ✓No category activation required
Cons
- ✗5% capped at $500 per billing cycle
- ✗3% foreign transaction fee
- ✗Only 1% on non-top categories
Who Should Get This Card?
People with a clear dominant spending category (gas, groceries, dining, etc.) who want automatic 5% back without tracking rotations.