The Citi Custom Cash® Card and the Citi Double Cash® Credit Card both let you earn cash back on your purchases, have low introductory APR offers and no annual fee1. Let’s explore the benefits of each credit card so you can find the one that best fits your lifestyle and spending habits.
Benefits of Citi Custom Cash®
The Citi Custom Cash® Card automatically adapts each month to where you’re spending the most. Cash back is earned as ThankYou® Points.
- Earn $200 cash back: Spend $1,500 on purchases within the first 6 months of account opening and earn $200 cash back.
- 5% cash back on top spending categories: Cardholders earn 5% cash back on eligible purchases in their top eligible spend category in every billing cycle up to the first $500 spent. After that, continue earning 1% cash back on all other purchases.
- Low intro APR on purchases and balance transfers: Cardholders enjoy a low intro APR for the first 15 months on both purchases and balance transfers.
- Citi TravelSM: Cardholders can use the Citi Travel portal to book travel and even pay with ThankYou® Points. Access 1.4 million hotel and resort options, competitive prices and 24/7 customer service. Plus, Custom Cash® cardmembers earn an additional 4 ThankYou® Points per $1 spent on hotels, car rentals and attractions when booked on the Citi Travel portal through June 30, 2026.
- No annual fee1 and more: You'll get access to Citi Entertainment®, $0 liability on unauthorized charges and more, all with no annual fee1.
Why the Custom Cash® Card might be right for you
The Citi Custom Cash® Card may be right for you if:
- You want a card that automatically adapts to your spending each month. This card is for spenders who want to maximize their earnings across multiple categories and don’t want to deal with the hassle of having to set and track categories each month. Eligible spend categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.
- You’re looking for a low intro APR card for purchases and balance transfers.
Benefits of Citi Double Cash® Credit Card
Looking for a card with no category restrictions? The Citi Double Cash® Credit Card lets you earn 2% cash back across categories (earn 1% when you buy and 1% as you pay). Cardholders earn cash back as ThankYou® Points.
- Earn $200 cash back: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
- 2% cash back on purchases: Cardholders earn 2% cash back on purchases with 1% when you buy then 1% as you pay.
- Low intro APR on balance transfers: Cardholders enjoy a low intro APR on balance transfers for the first 18 months.
- Citi TravelSM: Cardholders can use the Citi Travel portal to book travel and even pay with ThankYou® Points. Access 1.4 million hotel and resort options, competitive prices and 24/7 customer service. Plus, Double Cash® cardmembers earn a total of 5 ThankYou® Points per $1 spent on hotels, car rentals and attractions when booked on the Citi Travel portal through December 31, 2025.
- No annual fee2 and more: You'll get access to Citi Entertainment®, $0 liability on unauthorized charges and more, all with no annual fee2.
Why the Double Cash® Credit Card might be right for you
The Double Cash® card might be right for you if:
- You tend to spend in many different categories and don’t need a dedicated credit card for gas, travel or dining experiences.
- You’re looking for an all-purpose credit card that lets you earn more on eligible travel purchases.
- You want a card that lets you earn cash back, but you don’t want to think about spending categories or want one credit card for all your purchases.
- You’re looking for a low intro APR card for balance transfers.
1 Custom Cash® Important Pricing and Information
2 Double Cash® Important Pricing and Information
Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.
