Cash Back card · Citi
Citi Custom Cash
Citi Custom Cash is the top-category card: 5% back in the holder's highest spending category each month, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Citi |
|---|---|
| Network | Mastercard |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 5% cash back in the holder's top eligible spending category each billing cycle (up to $500 in purchases a month), and 1% cash back on everything else. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
5% cash back in the holder's top eligible spending category each billing cycle (up to $500 in purchases a month), and 1% cash back on everything else.
Who it is built for
Built for people whose spending is concentrated in one category each month.
History
Citi launched Custom Cash in 2021, replacing the Citi Rewards+ position with a card that pays 5% in the holder's top spending category. Citi stopped accepting new applications for Custom Cash on May 28, 2026; existing cardholders keep the card.
Current details — visit the official Citi Custom Cash page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Citi
Other cards from the same issuer in this library.
- Bloomingdale's Credit Card · Retail · No annual fee (as of 2026)
- Citi AAdvantage Business · Business · $95 (as of 2026)
- Citi AAdvantage Executive World Legend Mastercard · Airline · $595 (as of 2026)
- Citi AAdvantage MileUp · Airline · No annual fee (as of 2026)
- Citi AAdvantage Platinum Select · Airline · $99 (as of 2026)
- Citi Diamond Preferred · Balance Transfer · No annual fee (as of 2026)
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the Citi Custom Cash?
Citi Custom Cash is the top-category card: 5% back in the holder's highest spending category each month, with no annual fee as of 2026.
Does the Citi Custom Cash have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Citi Custom Cash earn?
5% cash back in the holder's top eligible spending category each billing cycle (up to $500 in purchases a month), and 1% cash back on everything else.
Who issues the Citi Custom Cash?
The Citi Custom Cash is issued by Citi and runs on the Mastercard network.
Sources
- https://www.citi.com/credit-cards — Issuer's card list
- https://www.citi.com/credit-cards/citi-custom-cash-credit-card — Issuer's official card page
Page last updated 14 November 2026.