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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.

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.

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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.

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.

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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.