Citi Custom Cash Card
Issued by Citi (Citibank, N.A.) · Mastercard network · Unsecured consumer card
At a glance
The Citi Custom Cash Card is a cash back consumer credit card issued by Citi on the Mastercard network. Its current annual fee is $0, with a 3% (fee confirmed on the issuer page; percentage from reputable secondaries) foreign-transaction fee. It is not currently accepting new applications. Terms were last independently verified on 2026-08-17.
Availability note
This product is currently marked “applications closed.” Details may change. Confirm current availability and terms directly with the issuer before relying on this page.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Sources disagree within roughly one percentage point and the issuer page does not render numeric values. Existing cardholders should confirm their own rate on a statement rather than relying on any published range.
Reputable secondary aggregators — Citi renders its pricing client-sideverified 2026-08-17
Citi — official card pageverified 2026-08-17
Fees
Citi — official card pageverified 2026-08-17
Citi page plus secondary sourcesverified 2026-08-17
Rewards
Citi — additional information pageverified 2026-08-17
Fully automatic — Citi determines your top category each cycle. No enrollment and no calendar rotation, unlike Discover or Chase rotating cards.
Citi — additional information pageverified 2026-08-17
Benefits and protections
- Automatic 5% category — no enrollment or rotation to track. source
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $19.04 | $228.5 |
| $3,000 | $57.13 | $685.5 |
| $5,000 | $95.21 | $1,142.5 |
Paying only the minimum on $3,000
1075 months
About $37,548.62 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$170.6 total cost
$150 upfront fee, plus post-intro interest at 22.85%.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
3.73.7 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Earning value (net of fees) | 35% | 4/5 |
| Fees (annual, FTF) | 20% | 4/5 |
| Redemption simplicity | 20% | 3.5/5 |
| Terms transparency | 15% | 3/5 |
| Protections | 10% | 3.5/5 |
Methodology 2026.07 · full methodology · Credit Defense Hub earns no commission or affiliate revenue from card issuers; editorial scores are independent of any advertising relationship.
Closed to new applicants as of May 2026 — existing cardholders keep the card and its benefits. Its design was genuinely distinctive: 5% on whatever your top category happened to be that cycle, chosen automatically, with no enrollment. We keep this record published because existing cardholders still need accurate terms and a record of what changed.
Advantages
- Automatic 5% category with no enrollment or rotation
- No annual fee
- Existing cardholders retain full functionality
Watch for
- No longer accepting new applications
- 5% capped at the first $500 per cycle
- 3% foreign-transaction fee
Best for: Existing cardholders only — this record is a reference, not a recommendation to apply.
Credit Defense Hub Editorial Team · reviewed 2026-08-17 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Citi Custom Cash Card?
- It is issued by Citi on the Mastercard network.
- What does the Citi Custom Cash Card cost?
- The annual fee is $0, and the foreign-transaction fee is 3% (fee confirmed on the issuer page; percentage from reputable secondaries). Verified 2026-08-17. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Citi Custom Cash Card accepting new applications?
- Not currently, as of our last verification. Confirm availability directly with the issuer.
- Does the Citi Custom Cash Card help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-17; confirm with the issuer before applying.
What consumers report
No verified consumer reviews yet
This card has no published consumer reviews yet, so we are not showing consumer averages or complaint statistics — we never display percentages from a sample too small to be meaningful, and we never seed fake reviews. Be the first to share a genuine experience below.
Share your experience
Rate the card, flag specific issues or positives, and tell your story. We never ask for card numbers, account numbers, or your SSN.
If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page →
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.