Intro 0% APR plus automatic 5% cash back on your top spend category — no activation needed.
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Good–Excellent credit — 670+ FICO typical; hard pull required
ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Moderate spenders who concentrate buying in one category (groceries, gas, dining, streaming) and want a 0% APR intro window without sacrificing ongoing rewards.
The Citi Custom Cash Card has no annual fee. It offers an intro 0% APR on purchases and qualifying balance transfers — verify the current period length and BT fee at citi.com. The card earns 5% cash back automatically on your highest-spend eligible category each billing cycle, up to $500 in that category (then 1%), with 1% on all other spending.
| Year 1 value | Ongoing value |
|---|---|
| 0% APR intro period on purchases and qualifying BTs; 5% on top category up to $500/month; welcome bonus (verify current offer at citi.com) | 5% auto top category (up to $500/month, then 1%); 1% on all else; no annual fee |
| Verify current intro period length and BT fee at citi.com before applying | |
Citi Custom Cash® Card — Intro 0% APR plus automatic 5% cash back on your top spend category — no activation needed. Best for: Moderate spenders who concentrate buying in one category (groceries, gas, dining, streaming) and want a 0% APR intro window without sacrificing ongoing rewards.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
As disclosed by Citi (verified June 2026), eligible categories include: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment. The 5% rate applies automatically to your single highest-spend eligible category each billing cycle — no activation needed. Confirm the current full category list at citi.com, as Citi can adjust eligible categories.
Yes — Citi discloses an intro 0% APR on purchases and qualifying balance transfers for an intro period (verify the current length at citi.com before applying, as Citi adjusts terms periodically). After the intro period, the regular variable APR applies. The 5% cash back earning continues throughout — there is no conflict between the 0% APR and the rewards program.
Yes — the automatic 5% cash back on your highest-spend eligible category each billing cycle (up to $500/month in that category, then 1%) continues to apply throughout the intro 0% APR period. The rewards program and the intro APR are independent features. Verify current category eligibility and cash back terms at citi.com.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The Citi Custom Cash® Card is issued and operated by Citibank, N.A. APRs, fees, rewards rates, and terms are determined solely by Citibank and may change — verify current terms at citi.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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