Citi Custom Cash
The set-it-and-forget-it 5% card. If your top category exceeds $500/mo, pair it with a flat 2% card.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $0
- Purchase APR: 18.24%–28.24%
FairPrice score: 83/100
Rewards
5% on your top spend category each month (up to $500)
Perks
- No annual fee
- 0% intro APR 15 months
Pros
- Automatic 5% (no activation needed)
- Great for concentrated spenders
- No annual fee
Cons
- $500 monthly cap on 5%
- Only one category at a time
- 3% foreign transaction fee
Best for
- cashback
- specialized spenders
- no annual fee
Official source · Last verified 2026-10-04