Citi stopped accepting new applications for the Custom Cash on May 28, 2026, so this is now a card you keep rather than one you can get. For existing holders it remains one of the easiest 5% cards to use: it automatically pays 5% on your top eligible spending category each billing cycle, drawn from a list that includes dining, groceries, gas, transit, travel, streaming, drugstores, home improvement, and entertainment, with no annual fee and nothing to activate. The cap is the real limit, 5% only on the first $500 each month and 1% after that, the same rate everything else earns. If you were planning to apply, the closest replacements are the U.S. Bank Cash+ with two chosen 5% categories on the first $2,000 a quarter, the Chase Freedom Flex with rotating 5% categories, or Citi's own Double Cash at a flat 2%. It still ranks third on our best cash back list, but that ranking is academic now for anyone who does not already hold it.
Earn rates & credits
| Category | Rate |
|---|---|
Top spend category Automatically on your top eligible spend category each billing cycle on first $500/mo, then 1% Eligible: Dining, Gas, Groceries, Transit, Travel, Streaming, Drugstores, Home Improvement, Entertainment | 5% |
Everything Else | 1% |
Card details
Regular APR | 17.49%–27.49% variable |
Intro APR on purchases | 0% for 15 months |
Intro APR on balance transfers | 0% for 15 months |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Citi Double Cash
Citi Strata
American Airlines AAdvantage MileUp Mastercard
Citi AAdvantage Business World Elite Mastercard
Citi Diamond Preferred
Citi Strata Premier
Citi Custom CashCiti Custom CashBased on 27 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.