When searching for cash back credit cards that actually align with real-world spending, the Citi Custom Cash℠ Card stands out. Designed for consumers who want automatic, high cash back in their top spending category, this card delivers impressive value — without any annual fee.
How It Works
Instead of forcing users to manually choose categories or rotate offers, the Citi Custom Cash card automatically gives 5% cash back on your highest eligible spend category, up to $500 per billing cycle (then 1%). This applies to popular expenses like:
- Gas stations
- Restaurants
- Grocery stores
- Select travel
- Streaming services
All other purchases earn an unlimited 1% cash back. Rewards are earned as ThankYou® Points, which are redeemable for direct deposits, travel, gift cards, or Amazon purchases.
Key Benefits at a Glance
| Feature | Citi Custom Cash℠ | Chase Freedom Flex℠ | Amex Blue Cash Everyday® |
|---|---|---|---|
| Top Category 5% Cash Back | ✅ (auto-selected) | ❌ (rotating categories) | ❌ (fixed categories only) |
| Annual Fee | $0 | $0 | $0 |
| Intro APR Offer | ✅ 0% for 15 months | ✅ 0% for 15 months | ✅ 0% for 15 months |
| Redemption Flexibility | High (ThankYou® Points) | Medium | Medium |
Ideal Use Cases
For urban commuters, freelancers, or families with predictable spending patterns, this card adapts seamlessly. For example:
- Emma, a freelance designer, uses it for monthly groceries and earns 5% back without lifting a finger.
- Carlos, a rideshare driver, spends mostly on gas and restaurants — the card automatically optimizes his category every month.
Is It Worth It?
With no annual fee and a solid 0% intro APR for 15 months on purchases and balance transfers, this card checks all the boxes for:
- High cash back earners
- No-hassle optimizers who dislike rotating categories
- Credit-conscious users who want to maximize returns without extra fees
🔎 Want to learn how to maximize approval odds and uncover Citi’s lesser-known application tricks?
