Citi Custom Cash Card

Citi · Personal card · Checked against Citi's terms Oct 26, 2026

The Citi Custom Cash earns 5% cash back on one category you pick each month; and 1% cash back on everything else. Fee not on file. Citi stopped taking applications for it on May 28, 2026; cardholders keep earning.

Add it to your wallet

Earning rates

5
One category you pick each month 5% cash back
Citi applies 5% automatically to your highest-spend eligible category each billing cycle (its decision is final), on the first $500 spent, then 1%. Grocery includes supermarkets, meat/seafood and dairy stores, bakeries and convenience stores, but not superstores or warehouse clubs. Select travel is airlines, hotels, cruise lines and travel agencies. Select transit includes car rentals, rail, subways, taxis and car services, tolls, parking, buses and EV charging. Streaming bundled with another product or billed by a third party doesn't count.
- Not at gas at superstores and warehouse clubs, DoorDash, Uber Eats, Dodger Stadium or Bellagio
- Up to $500 of spending a month, then 1% cash back
“Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent” citi.com
5
Hotel through Citi Travel, Car rental through Citi Travel and Attraction through Citi Travel 5% cash back
4 extra points per $1 on top of the 1% base, for hotels, car rentals and attractions booked with Citi Travel. Citi's terms don't say whether the extra 4 also stacks on the 5% when travel or transit is the top category.
“additional 4% cash back on hotels, car rentals, and attractions booked with Citi Travel” citi.com
1
Everything else 1% cash back
“Earn 1% cash back thereafter on all other purchases.” citi.com

Categories you choose

Pick 1 of: restaurants, gas stations, grocery stores, select travel, select transit, select streaming, drugstores, home improvement stores, fitness clubs and live entertainment (each month).

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Citi's terms before you apply.