Custom Cash
Citi
Custom Cash
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$200
Base score: 25
Current $200 vs typical $200
Net value after annual fee: ~$200
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Custom Cash
Welcome Offer
Earn $200 cash back after spending $1,500 in the first 6 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Citi velocity rules
Citi is observed to limit approvals to about 1 card per 8 days and 2 cards per 65 days.
Citi 48-month bonus rule
Many Citi cards appear to restrict bonus eligibility for 48 months after you last received a bonus on that same card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Top spend category
5% cash back
Up to a monthly cap
Other purchases
1% cash back
Key benefits
Top category bonus
Highest spend category earns more each month.
No annual fee
Keep long-term value with $0 annual fee.
Simple rewards
No activation required for top category.
Perks
Flexible categories
Automatically applies to your top spend category.
Good fit for
About this card
The Citi Custom Cash automatically earns 5% cashback on your highest eligible spending category each billing cycle (up to $500), with no manual activation required. Categories include restaurants, gas, grocery, select travel, select transit, select streaming, drugstores, home improvement, fitness, and live entertainment.
Best for
People whose spending naturally concentrates in one category per month. Pairs well with a flat-rate card like the Citi Double Cash for non-bonus spending.
Key considerations
The 5% rate is capped at $500 per billing cycle per top category. Subject to Citi's 48-month bonus restriction and velocity rules.
Card analysis
Offer analysis
The current offer on the Custom Cash awards 200 cashback after spending $1,500 within 180 days of account opening.
Annual fee value
The Custom Cash has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Application strategy
Citi enforces a 48-month bonus restriction: Citi card family cooldown rule.. Citi also has velocity limits — you generally cannot be approved for more than one Citi card per 8 days or two per 65 days.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
Similar Cards
Double Cash
Citi · $0/yr
Earn 200 cashback25/100
Strata
Citi · $0/yr
Earn 20,000 points29/100
Simplicity
Citi · $0/yr
Diamond Preferred
Citi · $0/yr
Get notified about new offers
We’ll let you know when card offers change or new cards drop.
By subscribing, you agree to receive card offer alerts and occasional newsletters. Unsubscribe anytime.