Citi
Citi Custom Cash Review 2026
Welcome offer: $200 cash back after $1,500 spend in first 6 months
Annual Fee
$0
Cash Back
5%
APR
18.99–28.99%
Min. Credit Score
670
Apply for Citi Custom Cash
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Key Features
Intro Apr0% for 15 months
Rewards Rate5% on top eligible spend category each billing cycle (up to $500), 1% elsewhere
Eligible Categoriesrestaurants,gas,grocery,streaming,drugstores,home improvement,fitness,travel,utilities
Rates & Terms
Variable APR18.99% – 28.99%
Annual Fee$0
Recommended Credit Score670+
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Ask the AIRates and terms are approximate and subject to change. Always verify current terms directly with Citi before applying. This is not financial advice.