Citi · Mastercard
Citi Custom Cash® Card
No annual fee · 1% on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Category of your choice (you pick) | 5% | on the first $500/month |
| Everything else | 1% | uncapped |
Non-cash perks
- No category enrollment required — top category auto-detected each billing cycle
- Citi Entertainment presale/exclusive event access
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Citi
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com · www.cnbc.com. This card is closed to new applicants. Spot an error? Tell us.