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CitiCash Back
Citi Custom Cash Card
Cash back card from Citi
$0
No annual fee
- 5% on your top spending category each month (up to $500)
- Automatically adjusts to your spending
- No annual fee
- 0% intro APR for 15 months
Welcome Bonus
$200 value
after $1,500 spend in 6 months
Credit Needed
Good (670-749)
Personal card
APR
0% intro
then 19.49%–29.49% after 15 months
Foreign Transaction Fee
3%
Fee on foreign purchases
Base Reward Rate
1%
On all other purchases
Rewards Structure
| Category | Rate | Details |
|---|---|---|
| Dining | 5% | on your top eligible spend category each billing cycle (up to $500) (up to $6,000/yr) |
| Groceries | 5% | auto-adjusts to your top category |
| Gas | 5% | auto-adjusts to your top category |
| Travel | 5% | auto-adjusts to your top category |
| Everything else | 1% | Base rate on non-bonus spending |
Rates and fees disclosure
Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.
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