The Citi Custom Cash Card (CCCC) is a no-fee credit card which gives 5% cash back on your top spending category each month. Citi automatically calculates which category you spend the most in, giving you rewards at the end of each billing cycle. It requires zero effort from the cardholder. The Custom Cash is easier to use than competing cards, and may have higher rewards. It’s versatile enough that almost everyone can get use out of it, although it does depend on one’s spending habits.
FEATURES AT A GLANCE
- No annual fee
- 3% foreign transaction fee
- 5% cash back for the first $500 spent each billing cycle in 1 of 10 categories (see below)
- 1% cash back on everything else
5% eligible categories:
- Restaurants/dining
- Gas
- Grocery stores
- “Select travel” (airlines, hotels, cruise lines, travel agencies, etc.)
- “Select transit” (car rentals, ferries, trains, taxis, bridge/road tolls, parking lots/garages, bus lines, etc.)
- “Select streaming services” (Includes “Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.”)
- Drugstores/pharmacies
- Home improvement stores
- Fitness clubs
- Live entertainment (concerts, theaters, etc.)
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