Citibank makes it easy for Americans: If you let it pass, you'll regret it

Citibank has launched a new feature that's generating unanimous applause among their customers in the United States: the Citi Custom Cash® card. This credit card offers automatic 5% cash back in the category where you spend the most each month, with no need to register or activate promotions.

Citibank takes action and their customers smile: this is how the Citi Custom Cash card rewards you

The Citi Custom Cash is a Mastercard with no annual fee that adapts to your spending habits. Each billing cycle, it identifies the category where you've spent the most and gives you 5% cash back in that category, up to $500 per month. After reaching that limit, and on all other purchases, you get 1% cash back.

The categories that can benefit from the 5% include restaurants, gas stations, supermarkets, pharmacies, select streaming services, or select transportation. Also, home improvement stores, gyms, live entertainment, and select travel.

What's more, until June 30, 2026, you can get an additional 4% cash back. This applies to hotels, car rentals, and attractions booked through Citi's travel portal.

Additional benefits: you'll get all this money in the form of points

The Citi Custom Cash offers a $200 welcome bonus in the form of 20,000 ThankYou® points after you spend $1,500 in the first six months. It also features a 0% introductory interest rate on purchases and balance transfers for the first 15 months.

The accumulated ThankYou® points can be redeemed for cash back, statement credits, direct deposits, checks, gift cards, travel, and purchases on Amazon.com and PayPal.

How to apply easily? See how simple it is with Citibank

Applying for the Citi Custom Cash card is simple. You can do it online through the official Citibank website. It's important to have a solid credit history to increase your chances of approval.

The card's flexibility, which automatically adapts to the user's spending habits, has been key to its popularity. There's no need to remember to activate categories or follow rotating calendars. In addition, the absence of an annual fee and the possibility of earning significant cash back in common spending categories make it attractive to a wide range of consumers.

It's important to note that the 5% cash back applies only to the first $500 spent in the main category each month. After reaching that limit, additional purchases in that category will earn 1% cash back. Also, only one Citi Custom Cash card is allowed per person, and you can't receive the welcome bonus if you've already received one in the last 48 months.