Rewards Rate
cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal
cash back on all other purchases.
cash back after you spend $1500 on purchases in the first 6 months
Welcome Bonus
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
APR
18.49-28.49% Variable APR
Pro & Cons
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Earn $200 in cash back after you spend $1500 on purchases in the first 6 months
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Automatic category selection simplifies earning cashback.
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High cashback rate (5%) in your top category each billing cycle.
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No annual fee keeps costs low.
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0% intro APR period for purchases and balance transfers.
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5% cashback is capped at $500 per billing cycle.
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Foreign transaction fees apply (3%).
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Limited benefits for frequent international travelers.
Citi Custom Cash® Credit Card
The Citi Custom Cash® Card is a versatile credit card that adapts to your spending habits, offering up to 5% cash back in your top eligible spend category each billing cycle (on the first $500 spent, then 1% thereafter). Whether you prioritize dining, groceries, or gas, this card provides tailored rewards to match your lifestyle. With no annual fee, it’s an excellent choice for those looking to maximize cashback without overthinking category selections.
Discover it® Cash Back Card
Good for:
Cashback rewards on everyday purchases without an annual fee
Miles on hotels and rental cars booked through Capital One Travel.
Miles on flights booked through Capital One Travel.
Annual travel credit for bookings made through Capital One Travel.
Credit for global entry or TSA PreCheck®
Miles anniversary bonus
Up to 5% cash back on every purchase
One-time cash bonus after spending $500 within 3 months of opening an account
Introductory APR for 15 months on purchases and balance transfers; balance transfer fee may apply
Chase Sapphire Preferred® Credit Card
Good for:
Earning significant rewards on travel and dining
points on dining, including eligible delivery services, takeout, and dining out.
points on travel, including flights, hotels, taxis, and more.
points on all other purchases.
bonus points after spending $4,000 on purchases in the first 3 months.
Annual hotel credit
Card Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
Rewards Redemption
With the Citi Custom Cash® Card, your rewards are as versatile as your lifestyle. You can redeem cashback in several flexible ways: as a statement credit to directly offset your card balance, as a direct deposit into your bank account, for a wide selection of gift cards, or through the purchase eraser option for eligible purchases. These diverse redemption methods ensure you can maximize the value of your rewards in a way that best fits your needs.
Card Terms, Rates and Fees
- Annual Fee:
$0 – Enjoy this card without the burden of an annual fee. - Other Fees:
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- Balance Transfer Fee: $5 or 5% of the transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% per transaction, making it less ideal for international use.
- Late Payment Fee: Up to $41.
Maximize Benefits and Avoid Fees
To get the most value from your Citi Custom Cash® Card, follow these tips:
- Focus on High-Reward Categories: Use the card for expenses that align with the 5% cashback categories.
- Redeem Rewards Strategically: Apply cashback as a statement credit or direct deposit to offset spending.
- Utilize 0% Intro APR: Plan large purchases or consolidate balances to take advantage of the 15-month introductory period.
- Pay on Time: Avoid late fees by setting up automatic payments or reminders.
- Travel Smart: Take advantage of no foreign transaction fees when traveling abroad.
Qualification Requirements
| Requirement | Description |
| Credit Score & History | Good to excellent credit (670-850) |
| Income | Sufficient to cover monthly expenses and credit obligations |
| Job Status | Stable employment preferred |
| Citizenship/Residency | US citizen or permanent resident |
| Age | 18+ with a valid SSN or ITIN |
| Required Documents | Valid ID and proof of income |
What Makes This Card Appealing?
The Active Cash® Card is an excellent choice for anyone seeking simplicity, cost-effectiveness, and flexibility in a rewards card. It's perfect for straightforward earning with unlimited 2% cash back on every purchase and no categories or caps to track. Its no-annual-fee structure, combined with a robust introductory APR offer, makes it highly cost-effective. Additionally, versatile redemption options, cell phone protection, and access to Wells Fargo’s Go Far® Rewards portal add to its appeal. For those who want a user-friendly card that delivers consistent value without extra costs, the Active Cash® Card is a standout option.
How to Apply
- Visit Citi’s Website: Go to Citi’s official site or an authorized platform.
- Check Card Details: Review the card’s terms, benefits, and features.
- Gather Your Information: Have your personal details, SSN/ITIN, income, and housing expenses ready.
- Fill Out the Application: Complete the online form accurately.
- Submit Your Application: Review and submit your details for approval.
- Get Your Card: If approved, you’ll receive your card in 7–10 business days. Activate it to start using!
Apply for credit card
Personal information
Your address, phone & email
Your financial information
Terms & Conditions
This streamlined process makes it easy to apply and begin enjoying the card’s rewards.
FAQ
Are there any foreign transaction fees with this card?
Yes, the Citi Custom Cash® Card charges a 3% foreign transaction fee, making it less ideal for international purchases.
Is there an annual fee for the Citi Custom Cash® Card?
No, the Citi Custom Cash® Card has no annual fee, making it a cost-effective choice for earning cashback rewards.
What is the cashback limit for the 5% rewards category?
The 5% cashback applies to your top eligible spending category each billing cycle, capped at $500 in purchases. After reaching this limit, you’ll earn 1% cashback on additional purchases in that category.
