Citi
Citi Custom Cash Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is the Citi Custom Cash Card worth it?
With no annual fee, the Citi Custom Cash Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending. The Chase Marriott Bonvoy Bold, also with no annual fee, would earn $656 a year more on this spending.
Citi Custom Cash Card on this spending
$312a year after fees ($0)
The Chase Marriott Bonvoy Bold, also with no annual fee, would earn $656 a year more on this spending.
Rewards plus credits you'd realistically use, minus the annual fee. Rank every card on your numbers
The fine print
- Intro APR
- 0% for the first 15 months
- Regular APR
- 19.99% to 28.99% variable
- Foreign fee
- 3%
- Rewards paid as
- Cash back
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 5% cash back on your highest eligible spend category each billing cycle, up to the first $500 spent
- 1% on all other purchases
Sign-up bonus
None
Best for
- Keeping costs at $0
Not ideal for
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 15 months
- Regular APR
- 19.99% to 28.99% variable
- Balance transfer fee
- 3% of each transfer ($5 minimum) for the first 4 months, then 5%
- $1200/mo on everyday spending earns about $144/year (1%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Citi Custom Cash Card: questions people ask
Is the Citi Custom Cash Card worth it?
With no annual fee, the Citi Custom Cash Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending. The Chase Marriott Bonvoy Bold, also with no annual fee, would earn $656 a year more on this spending.
What is the Citi Custom Cash Card annual fee?
The Citi Custom Cash Card has no annual fee ($0).
What does the Citi Custom Cash Card earn?
5% cash back on your highest eligible spend category each billing cycle, up to the first $500 spent. 1% on all other purchases.
What credit score do you need for the Citi Custom Cash Card?
The issuer recommends good/excellent credit. Checking your matches on CardFit never runs a credit check.
Does the Citi Custom Cash Card charge foreign transaction fees?
Yes: 3%.
Does the Citi Custom Cash Card have a 0% intro APR?
0% for the first 15 months. After that the regular APR is 19.99% to 28.99% variable.
Compare Citi Custom Cash Card
Similar cards
- American ExpressBlue Cash Preferred Card$607/yr · $95 fee
- American ExpressBlue Cash Everyday Card$480/yr · $0 fee
- ChaseChase Freedom Unlimited$540/yr · $0 fee
- ChaseChase Freedom Flex$408/yr · $0 fee
Card details are collected from issuer websites and were last refreshed October 30, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.