Who it's for
Cash backNo annual fee
Citi Custom Cash
Auto-adapts to your top spending category each month — best for people whose spending shifts month-to-month. Pair with Strata Premier for transfer partner access.
$1,085/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
Closed to new applicants since May 2026. If you already have it, the quiz still counts it in your wallet.
Find an open card that fits you →| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 1x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 3x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 16 transfer partners
- Closed to new applicants since May 28, 2026. Existing cardholders keep the card and its rewards.
- 5% cash back automatically on your top eligible spending category each billing cycle (up to $500 in purchases, then 1%)
- Eligible categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming, drugstores, home improvement, fitness clubs, and live entertainment
- 1% on everything else
- No annual fee, no rotating categories to activate
- Citi will only issue one Custom Cash card per person
- Earns ThankYou Points — can transfer to airline partners when paired with Strata Premier/Elite
- 3% foreign transaction fee
Transfer partners
Air France-KLM Flying BlueAvianca LifeMilesCathay Pacific AsiaMilesChoice PrivilegesEmirates SkywardsEtihad GuestEva Air Infinity MileageLandsJetBlue TrueBlueQantas Frequent FlyerQatar Privilege ClubSingapore KrisFlyerThai Royal Orchid PlusTurkish Miles&SmilesVirgin Atlantic Flying ClubWyndham RewardsAmerican AAdvantage
Head-to-head
Similar cards
- Costco Anywhere VisaNo annual fee$802est. value/yr
- Citi Double CashNo annual fee$1,739est. value/yr
- Wells Fargo Active CashNo annual fee$1,159est. value/yr
- Amazon Prime VisaNo annual fee$799est. value/yr
Your numbers, not ours
See which cards fit your spending
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