Citi Custom Cash
Citi · Mastercard · $0 annual fee
What you get with the card — tap a row for details.
The $500 cap is the whole story. 5% applies to just $500 per billing cycle — a maximum of $25 back per month, or $300 a year. That’s the ceiling. It’s excellent as a second card pointed at one spending category, and mediocre as your only card.
What is NOT eligible for 5%: rent and mortgage, hotels, and general “everything else” spending can’t trigger the 5% rate. Hotels booked through Citi Travel earn a flat 4% instead.
Terms apply; verify current details with Citi. No longer available to new applicants.
The latest changes to this card — newest first. Verified against issuer terms.
Citi closed the card to new applicants
As of May 28, 2026, Citi is no longer accepting applications for the Custom Cash. Existing cardholders keep the card and all of its benefits — but if you don’t have it, you can’t get it anymore.
4% on Citi Travel hotels runs through June 30, 2026
The elevated 4% rate on hotels, car rentals and attractions booked through Citi Travel was a limited-time offer scheduled to end June 30, 2026 — check your account for the current rate.
If you hold it, keep it
With no annual fee and an automatic 5% category, there’s no reason to close it — and since Citi won’t issue new ones, it’s not a card you can get back.
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