Citi Custom Cash Card: Is it the Best Cash Back Credit Card for You?

The Citi Custom Cash® Card is making waves in the credit card world with its simple yet valuable rewards program. This no-annual-fee card offers 5 percent cash back in your top spending category each billing cycle, making it a great option for those who want to earn rewards without the hassle of rotating bonus categories.

For many, the Citi Custom Cash Card is a clear winner due to its flexible rewards structure and easy-to-use program. With eligible categories including grocery stores, gas stations, restaurants, and more, cardholders can earn cash back on their everyday purchases without having to enroll in specific categories.

However, the card may not be the best choice for everyone. Those looking to maximize their rewards may find better value with a card that offers multiple bonus categories, such as the U.S. Bank Cash+® Visa Signature® Card. Additionally, if you’re looking to save money with a balance transfer, the Custom Cash Card may not be the most cost-effective option.

Overall, the Citi Custom Cash Card is a great choice for moderate spenders who can keep their expenses around $500 each month. However, for those who spend more or prefer a card with more bonus categories, it may be worth considering other options. Whether the Custom Cash Card is right for you ultimately depends on your spending habits and financial goals.