The Citi Custom Cash Card

No need to activate categories or track rotating bonuses — the Citi Custom Cash Card rewards you where you spend the most, automatically.

When you choose a credit card from a major U.S. bank, you benefit from long-term reliability, access to quality mobile apps, and often lucrative rewards. These banks tend to offer promotional APRs, high credit limits, and a range of card types from student to travel. Their cards usually report to all three major credit bureaus, giving your credit score a consistent boost if used responsibly. The Citi Custom Cash Card is a prime example of a big bank offering smart, personalized rewards for everyday users.

The Citi Custom Cash Card is a no-fuss cashback card that earns 5% back on your top eligible spending category (up to $500 per month), including gas, restaurants, groceries, select streaming services, and more. Other purchases earn 1% cash back. New cardholders can earn a $200 welcome bonus after spending $1,500 in the first 6 months. It also includes a 0% intro APR for 15 months on purchases and balance transfers. There’s no annual fee, and rewards are issued as ThankYou® Points, which can be redeemed for cash, travel, or gift cards. It’s a card designed to adapt to your life month by month — not the other way around.

Fintech credit cards from startups like Tomo, Grow Credit, and Chime offer new paths to credit for underserved populations. These platforms use non-traditional underwriting criteria and often skip credit checks entirely. While they may not offer sophisticated rewards like Citi does, they excel in approval accessibility and financial inclusivity. Their apps also often provide budgeting tools and insights to help users improve spending habits.

Secured cards are starter tools for anyone looking to rebuild or establish a credit profile. They require a deposit — often equal to your credit limit — and work just like unsecured cards. After months of on-time payments, issuers may upgrade you or refund your deposit. If your credit score isn’t quite ready for the Citi Custom Cash Card yet, a secured card is the first step to reach it. Think of products like Discover it® Secured or the Self Visa® Secured Credit Card.

Store cards focus on customer loyalty and in-store promotions. Brands like Target, Amazon, and Best Buy offer co-branded cards that include discounts, reward points, or deferred-interest financing. However, these cards often come with higher interest rates and are typically used within the specific store ecosystem. In contrast, the Citi Custom Cash Card is a general-use card with rewards flexibility that fits a wider range of needs and spending patterns.