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Use the current issuer terms and your own spending assumptions. No unverified product fields are prefilled.
All cards / Citi
Citi
Citi Custom Cash
CardMath coverage focuses on the highest-eligible-category mechanic, category lists, caps, and how the card behaves under different normal spending patterns. Current figures stay gated by verification.
Verified product data
Current facts in the source-of-truth
Verified 2026-08-26
- Annual fee
- $0
- Rewards
- 5% cash back on the top eligible spend category each billing cycle on up to $500, then 1%; unlimited 1% on other purchases; an additional 4% on hotels, car rentals, and attractions booked through Citi Travel.
- Key credits
- No recurring statement credit highlighted on the public product page.
- Welcome offer
- $200 cash back, issued as 20,000 ThankYou points, after $1,500 in purchases in the first 6 months.
- APR / fee notes
- 0% intro APR on purchases and balance transfers for 15 months, then 19.49%–29.49% variable APR. Balance-transfer fees apply; foreign purchases incur a 3% fee.
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Read the terms
The issuer remains the source for current fees, rates, offers, credits, APRs, caps, and eligibility language.
Use “Current issuer terms” above.
What CardMath examines
The math and rules, not a verdict
- Highest eligible category in a billing cycle
- The spend cap as written
- How to read the category list without treating it as a shopping plan
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