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.
Our Verdict
The Custom Cash is a cashback rewards card from Citi that carries a no annual fee on the visa network. At its core it earns 1.0X cash back on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Cash-back seekers will appreciate the simplicity — every dollar spent converts directly to statement credits or deposits with no points math required. The Custom Cash is best suited for cardholders who prioritize easy redemptions over maximum aspirational value.
Combined with the current signup offer of $200 cash back (worth ~$200), With no annual fee, there is virtually no downside to keeping this card long-term even as a backup. It adds to your credit history and earns rewards at zero ongoing cost.
Apply for the Custom Cash →Rewards Structure
Fee Analysis
The Custom Cash has no annual fee, making it an excellent choice for anyone who wants rewards without a yearly cost. There is no break-even spending threshold to worry about — every dollar of rewards is pure value.
Where This Card Earns Bonus Rewards
| Category | MCC Code | Bonus Rate | Example Merchants |
|---|---|---|---|
| Dining | 5812 Eating places and Restaurants | 5x | Acapulco Restaurant, Another Broken Egg, Applebee's, Applebee's - Albuquerque |
| Dining | 5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques | 5x | AMF Bowling Centers, Angry Orchard, Applebee's Bar, Bar Louie |
| Dining | 5814 Fast Food Restaurants | 5x | Arby's, Arby's - Albuquerque, Arby's - Anaheim, Arby's - Anchorage |
| Drugstores | 5912 Drug Stores and Pharmacies | 5x | Bartell Drug, Brooks Pharmacy, cardinal health, CVS Pharmacy |
| Fitness | 7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses | 5x | 24 Hour Fitness, Anytime Fitness, Athletic Club of the Rockies, Barry's Bootcamp |
| Gas | 5541 Service Stations ( with or without ancillary services) | 5x | 7-Eleven, 7-Eleven - Albuquerque, 7-Eleven - Anaheim, 7-Eleven - Anchorage |
Click any MCC code or merchant name to see all cards that earn bonus rewards there.
Signup Bonus Value
Benefits
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
- High variable APR up to 29.24%
How to Apply
You can apply for the Custom Cash directly through Citi's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision.
Before applying, check if you are pre-approved on Citi's website — a pre-approval uses a soft pull and does not affect your credit score.