Citi · Mastercard
Citi Custom Cash
Current cardholders keep it, but the issuer no longer accepts new applications. The terms below are as last verified, kept for people who hold it — it appears in no ranking and has no application link.
Annual Fee
$0
Welcome offer
No longer offered
Base Rate
1x
on everything
Best For
Automatic 5% on your top spending category each month
Reward Categories
Auto-selected: 5% on your top eligible spend category each billing cycle (up to $500/mo)
Cap: $6,000/yr
Key Benefits
Perks (not counted in our math)
Pros & Cons
Pros
- + Automatic 5% on top category
- + No annual fee
- + No activation needed
- + Can have multiple
Cons
- - $500 monthly cap on 5%
- - Only 1% on other spending
- - Limited benefits
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Closed to new applications
Current cardholders keep it, but the issuer no longer accepts new applications.
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.