Citi Custom Cash
Auto-detects your top spend category each cycle — set-and-forget.
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5-year value calculator
How much Citi Custom Cash actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
$200 cashback after $1,500 in 6 months
What you get
- 5% cashback in your top eligible spend category each billing cycle (up to $500)
- 1% on everything else
- Eligible categories: restaurants, gas, grocery, travel, etc.
- No annual fee
- 0% intro APR for 15 months
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Citi Custom Cash
The SaaS subscriptions where Citi Custom Cash earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,24,440/yr.
Greenhouse
Citi Custom Cash pays 1% rewards on Greenhouse.
Drift
Citi Custom Cash pays 1% rewards on Drift.
Vanta
Citi Custom Cash pays 1% rewards on Vanta.
Drata
Citi Custom Cash pays 1% rewards on Drata.
Trello
5% rewards on productivity category — better than the 1% default.
PostHog
5% rewards on marketing category — better than the 1% default.
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