Citi Custom Cash Card Delivers $200 Welcome Bonus, No Annual Fee and 5% Cash Back
Turn everyday spending into real savings with the Citi Custom Cash Card, $200 welcome bonus, 5% cash back, no annual fee and 0% intro APR for 15 months
Why the Citi Custom Cash Card stands out
The Citi Custom Cash Card delivers a powerful mix of straightforward rewards and low friction: $200 welcome bonus, no annual fee, and 5% cash back in your top spending category each billing cycle. For U.S. consumers who want big returns without juggling rotating categories, this card simplifies earning and redemption.
Its automatic category detection means you do not have to pick or activate bonus categories every quarter, making the Citi Custom Cash Card a hands-off choice for everyday spending at groceries, gas stations, restaurants, and pharmacies. The card also converts welcome bonus rewards into Citi ThankYou Points, which add flexibility when you redeem.
Key features, rates, and rewards
The headline perks are clear: 5% cash back on your highest eligible spending category each billing cycle, up to $500; unlimited 1% cash back afterward; a $200 cash back welcome offer after $1,500 in purchases within the first 6 months; and 0% intro APR on purchases and balance transfers for 15 months. Ongoing APR is variable, so plan to pay off balances before the introductory period ends.
With no annual fee, the Citi Custom Cash Card is built for everyday value. Additional travel and purchase protections, plus Citi’s zero liability policy for unauthorized charges, make it a secure option for Americans who want reliable cash back with simple terms.
How to apply and maximize your cash back
Applying online through the Citi website is fast; applicants typically need good to excellent credit to qualify. Be ready to provide personal details and income information, and verify that you meet Citi’s eligibility guidelines to speed approval.
To maximize the 5% cash back, concentrate eligible spending (groceries, gas, restaurants, pharmacies, streaming, utilities in some cases) into one category per billing cycle whenever possible, aiming to hit the $500 cap. After the cap, switch to a secondary high-rewards card for additional purchases to keep your overall cash back rate high.
Who benefits most and final recommendation
The Citi Custom Cash Card is ideal for U.S. consumers who want a top-tier, no annual fee cash back card without managing rotating categories. If your monthly spending tends to concentrate in one category, you will frequently earn the full 5% cash back, plus the valuable 0% intro APR window for larger purchases or balance transfers.
For people with diverse spending across multiple categories, consider pairing the Citi Custom Cash Card with another rewards card to cover purchases after the $500 cap or to capture elevated bonuses in other areas. Overall, the Citi Custom Cash Card is a smart, low-effort card to boost savings on routine purchases—apply now and start taking advantage of the $200 welcome bonus, 5% cash back, and no annual fee.