Citi Custom Cash Card Review: 5% Cash Back in Your Top Spending Category

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Top perks

A few key benefits make the Citi Custom Cash℠ Card a great value.

Cash back rewards

The Citi Custom Cash℠ Card earns 5% cash back in your top eligible spending category every billing cycle, up to a spending cap of $500. All other purchases earn 1% cash back, including bonus category purchases beyond that $500 spending cap. Here are the categories that are eligible to earn 5% back:

  • Restaurants
  • Gas stations
  • Grocery stores
  • Select travel
  • Select transit
  • Select streaming services
  • Drugstores
  • Home improvement stores
  • Fitness clubs
  • Live entertainment

That high cash back rate is the card’s most valuable perk. Not many cash back credit cards offer 5% back, and to make it even better, you get it in whichever category you spend the most. If you max it out by always spending $500 in your top bonus category, that’s $25 cash back per billing cycle, which can add up to $300 per year.

Sign-up bonus

You’ll earn $200 in bonus cash back after you spend $750 on purchases in the first three months of opening the account. This is one of the better credit card sign-up bonuses. It offers a large bonus amount, and you don’t need to spend too much to get it. If you put at least $250 in purchases per month on the card, you’ll spend enough to get the bonus.

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No annual fee

If you’re looking to avoid extra credit card fees, the Citi Custom Cash℠ Card will work for you. It’s a no annual fee card, so you can carry it free of charge.

0% intro APR offer

The Citi Custom Cash℠ Card packs in a long 0% intro APR offer for 15 months on both purchases and balance transfers. The 0% intro APR offer can help you finance the cost of a large purchase or help you get out of debt faster. Importantly, few credit cards offer such a rich rewards program, big bonus, and long 0% intro APR offer for both purchases and balance transfers.

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View more information: https://www.fool.com/the-ascent/credit-cards/citi-custom-cash-review/

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