Citi Custom Cash Card: Automatic 5% Cash Back That Adapts to You

Let the Citi Custom Cash Card pick your 5% category every billing cycle. It tracks where you spend the most, applies the elevated rate to that category on up to $500 in purchases, and handles the rotation automatically with no annual fee.

Complete $1,500 in purchases within six months to earn a $200 bonus, then leverage the 0% intro APR window on balance transfers for 18 months to tackle higher-rate debt. All other purchases earn 1% cash back.

Let the Card Pick Your 5% Category

Restaurants one month, grocery stores the next, then streaming or gas, the Custom Cash follows your highest eligible category and applies 5% cash back automatically. Maxing out the $500 cap nets $25 per cycle, or $300 per year, without quarterly enrollments.

Pair the Bonus With the Intro APR Window

Average roughly $250 per month in everyday purchases to trigger the $200 bonus naturally. Moving a balance? Divide the transfer by 18 to stay on track before the variable 17.99% to 27.99% APR returns. New purchases accrue interest if you carry that transfer, so plan payments accordingly.

Everyday Management and ThankYou Points

Rewards post as ThankYou Points worth one cent each toward statement credits, direct deposits, gift cards, or Citi Travel bookings. The Citi Mobile app tracks category performance, lets you set alerts, and keeps tap-to-pay, card lock, and autopay tools close at hand.