Auto-5% on your top monthly category — gas qualifies when it's your highest spend.
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Good–Excellent credit — 700+ FICO typical; hard pull required
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Drivers whose highest single monthly spend is gas, who want automatic 5% without managing categories.
Citi Custom Cash has no annual fee. It earns up to 5% cash back on your single highest spend category each billing cycle (capped at $500 in that category per cycle), and 1% on all other purchases. A 3% foreign transaction fee applies.
| Year 1 value | Ongoing value |
|---|---|
| $200 welcome bonus (verify spend requirement at citi.com) + 5% on top spend category | 5% on top monthly category (up to $500/cycle); 1% everywhere else; no annual fee |
| 5% applies to first $500 in top category per billing cycle; resets each cycle | |
Citi Custom Cash℠ Card — Auto-5% on your top monthly category — gas qualifies when it's your highest spend. Best for: Drivers whose highest single monthly spend is gas, who want automatic 5% without managing categories.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The card earns 5% cash back on your single highest spend category each billing cycle, up to $500 in that category. If gas stations are your top category that month, the 5% applies automatically — no enrollment required. If another category exceeds your gas spend, that category earns 5% instead. The cap resets each billing cycle. Per Citi issuer terms, verified June 2026.
Yes — the auto-adjusting feature means your highest spend category always earns 5%, whatever it is. If your biggest month is groceries or restaurants, those earn 5% that cycle. For drivers who consistently spend more on gas than anything else, it reliably earns 5% at the pump. If your gas spend fluctuates relative to other categories, a card with a fixed 5% gas rate (like PenFed Platinum Rewards) may be more predictable.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Citi Custom Cash Card. The card is issued and operated by Citibank, N.A. APRs, fees, reward 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 →
See all picks, methodology, and side-by-side comparison in Best Gas Credit Cards 2026.
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