Card economics
Citi Custom Cash
No longer offered
Annual fee
No annual fee
Foreign transaction fee
3%
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Citi Travel - Hotels | 5xPortal only |
| Citi Travel - Rental Cars | 5xPortal only |
| Citi Travel - Attractions | 5xPortal only |
| Everything else | 1xBase rate |
Category selection rules
Some cards let you pick bonus categories each quarter or year. The optimizer selects the highest-modeled-value categories based on your spending pattern.5% on top eligible category
Choose 1 category for the bonus rate
Categories in the same issuer-defined group use one selection.
Dining + Fast Food
Groceries — in store + Groceries — online + Whole Foods
Flights outside issuer portals + Delta Airfare + United Airfare + Southwest Airfare + Hotels outside issuer portals + Hilton Properties + Marriott Properties + Hyatt Properties + IHG Properties + Other travel outside issuer portals + Travel - Vacation Homes + Travel - Car Rentals / Agencies / Cruises + Tours & Activities (booked direct)
Cap: $500/month | Non-selected categories earn 1x
The optimizer selects the highest-modeled-value categories based on your spending.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Citi Custom Cash might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.