Custom Cash Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Custom Cash earns 5.0X on rotating_top, 1.0X on all_purchases with a $0 annual fee. The current signup bonus is $200 cash back (worth $200 at portal rates) after $750 spend.
3.6/5
Overall
5.0/5
Rewards
2.5/5
Benefits
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Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| rotating_top | 5X pts/$ | 5.00¢ | Varies |
| all_purchases | 1X pts/$ | 1.00¢ | Varies |
| Everything Else | 1X pts/$ | 1.00¢ | All |
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Signup Bonus Value
$200 cash back USD Points
Spend $750 in first 3 months
Cash / statement credit$200
Maximum value$200
Benefits
Citi Purchase Protection
$1,000
Extended Warranty
Included
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by CITI and subject to change. Verify all information on the issuer's website before applying.
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Strengths and Weaknesses
Strengths
- Signup bonus worth up to $250
- 5X top earn rate on bonus categories
- No foreign transaction fees
- No annual fee
Weaknesses
- 1X base rate on non-bonus spending
Who This Card Is For
International Travelers
No foreign transaction fees
Fee-Conscious Spenders
No annual fee to offset
Frequently Asked Questions
What credit score is needed for the Custom Cash?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Custom Cash?
The current signup bonus is $200 cash back. Check the issuer's website for the latest offer details and spending requirements.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.