Earn $200 in 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.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
You will earn 5% cash back (as ThankYou® Points) on eligible purchases in your top spending category each billing cycle, up to the first $500 spent, with 1% cash back thereafter on all of your other eligible purchases made with your Citi Custom Cash card. You do not have to select anything at any time. It’s automatic. And these are not rotating bonus categories – it’s the same choice each month.
The eligible bonus spend categories are:
You’ll earn an unlimited 1% cash back on all other purchases.
The 5X applies to your top category each month. So it’s kind of like a rotating bonus category except you choose – and you don’t even have to technically choose or register, the 5% is automatically applied to your highest spend category each billing cycle.
As a comparison, the Chase Freedom Flex offers a 5X rotating quarterly bonus category, but with a limit of $1,500 per quarter and on whatever categories they choose. This works out to the same $1,500 per quarter, but divided evenly each month such that you can utilize different categories each month.
This is the first and only card that I can think of that offers 5% at home improvement stores and at drugstores.
While a heavy spender may not be super impressed with the $500 a month cap, I think many spenders would be very happy to earn 5% on restaurants, grocery stores, gas, etc. on a card with no annual fee.
And heck, you could buy $500 worth of show or concert tickets one month and get 5% on that!
The Citi Custom Cash card is a perfect companion card to a Citi Premier® and a Citi® Double Cash card, creating a Citi Trifecta. If you have all three cards, you would use the Citi Premier for 3X Citi ThankYou points® on air travel & hotels, gas stations, restaurants and supermarkets, the Double Cash card for everything else at 2X, except for one category out of the Custom Cash’s options for 5X up to $500 a month. Personally, I think that most people would want to make this their go-to card for gas stations, as that is an easy one to spend roughly $500 a month on. But, of course, what category you pick will depend on your own spending patterns.
You might be thinking about getting multiple Citi Custom Cash cards – a Custom Cash card for each category, but you cannot. Acknowledging that someone might want to hold many of these to get everything at 5X, they have capped this card at one per person.
The bonus offer is not available if you received one for opening a new Citi Custom Cash℠ Card account in the past 48 months.
However, this is GOOD news! You see, with all of the other Citi credit cards that earn ThankYou points you can only get one bonus, in total, every 24 months. Meaning that getting a Citi Premier precludes you from, for example, a Citi Rewards+.
But the Custom Cash card is not subject to that rule. So, you can get another Citi ThankYou® card bonus and a Custom Cash card bonus within the same 24 month period.
It’s important to know what counts and what doesn’t, especially for bonus categories that start with the word “Select.”
The following definitions apply to the Citi Custom Cash card categories:
Restaurants
Includes purchases at cafes, bars, lounges and fast food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third party dining delivery services.
Gas Stations
Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.
Grocery Stores
Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.
Select Travel
Includes airline, hotel, cruise line and travel agency purchases. Excludes timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies.
Select Transit
Includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals. Excludes bike/scooter rentals, auto clubs and insurance companies.
Select Streaming Services
Includes the following cable, satellite, and streaming providers: Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.
Drugstores
Includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store and pharmacy merchant category code.
Home Improvement Stores
Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists’ supply stores; nursery stock; wholesale construction stores; and glass stores.
Fitness Clubs
Includes membership fee and other purchases at athletic, sports and recreation facilities requiring membership such as health, tennis, and swimming clubs. Excludes fees associated with virtual services for home exercise equipment, personal monitoring devices, or fitness streaming classes.
Live Entertainment
Includes ticket purchases for live entertainment, including: concerts, live sporting events, live theatrical productions, amusement parks, and orchestras. Excludes: charitable organizations that provide live entertainment (benefits), sporting camps, sports complexes where you participate in the sport, public and private golf courses, country clubs (including membership fees), bowling alleys, movie theaters, tourist attractions, museums and art galleries.
Through March 2025
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
The Chase Freedom Rise® is specifically aimed at those people who haven’t yet established credit, whether they are young or new to the country.
What’s great about this card is that unlike most “starter” credit cards, this credit card actually earns cash back and a handsome 1.5% cash back at that – all with no annual fee and it’s not a secured credit card, meaning you are being given credit the same as anyone else and you’ll be able to build your credit score by using the card and making on time payments. The cash back is awarded as Chase Ultimate Rewards points, but they are not transferable points – only cash back.
There are no intro 0% APR offers on this card so it’s best for someone that will be able to pay their bills on time and, ideally, in full.