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The Citi Custom Cash Card, from our partner Citi, gives cardholders the chance to earn 5% cash back every month on their top eligible spending category, up to $500 each month — no activation required.

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This Citi card is technically billed as a cash-back credit card, but you’ll actually earn ThankYou Points, which can be worth more than traditional cash-back rewards.

Citi Custom Cash Card is offering $200 cash back after you spend $1,500 in the first 6 months — that’s 20,000 ThankYou Points, which you can redeem for cash back or for a number of other things, including gift cards and travel.

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Plus, new cardholders can enjoy an introductory 0% APR on balance transfers and purchases for 15 months. After that, the variable APR will be based on your creditworthiness. Read our full review of the Citi Custom Cash Card.

Offer Details

Why We Like It

CITI Custom Cash card art

Annual Fee: $0
Bonus: $200 ⓘ
APR: Variable APR Between 17.74% – 27.74% After Intro 0% APR Period ⓘ
Rewards Rate: 5% Back in Top Eligible Spend Category ⓘ
Details: Full Review

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on balance transfers and purchases for 15 months. After that, the variable APR will be based on your creditworthiness. Note that there is a balance transfer fee of $5 or 5% of the transfer, whichever is greater. Furthermore, balance transfers need to occur during the first four months of account opening.

Once the no-interest offer concludes, a variable APR between 17.74% – 27.74%, based on credit worthiness, will apply to all balances.

APR: After the intro 0% APR offer concludes, a variable APR will apply.