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Citi Custom Cash Card
The set-it-and-forget-it answer to rotating-category cards: it auto-pays 5% on your single top eligible category each billing cycle, no activation, no calendar. The cap is $500 in that category per cycle, so the most you'll earn at 5% is about $25 a month, or $300 a year. If your spending is spread across many categories rather than concentrated, a flat 2% card returns more overall. Eligible categories are a fixed list, so confirm yours qualifies on citi.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5% applied automatically to a category
- ✓Nothing to activate each quarter
- ✓Stretch of 0% intro APR
👍 Pros
- + No annual fee
- + Adjusts to where you spend
- + 0% intro APR
👎 Cons
- – 5% rate stops after $500 each month
- – Charges a foreign purchase fee
Can you get it?
- ▸A good credit score
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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