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It's official — the Citi Custom Cash® Card is officially closed to new applications. After some rumors circulating in the days leading up to the announcement, Citi confirmed that the card would no longer accept new applications as of May 28, 2026. That means Citi now offers just one standard cash back card, in addition to its co-branded Costco credit cards.
Here's what you should know if you are a Citi Custom Cash cardholder, or if you were planning on applying any time soon.
Citi Custom Cash Closes Applications
If you were working on building a Citi quadfecta, you might have to change your plans. As of May 28, 2026, the Citi Custom Cash is closed for new applicants. However, if you are a current cardholder, you can continue using the card as you normally would.
At least for now, its benefits and earning potential are not changing. When you go to the card page on Citi's website, you'll see the following message:
As a reminder, Citi Custom Cash cardholders earn 5% cash back in your top eligible spend category each billing cycle, up to the first $500 spent (1% cash back thereafter), and 1% cash back on all other purchases, plus an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal.
This made it a fantastic option for purchases that typically fall outside the bonus earning categories of other cards. For instance, if you spend several hundred dollars on gym memberships each month, you could use the card exclusively for your memberships to earn 5% back, while most other cards would earn just 1-2%.
User reports indicate that you can still product change to the Citi Custom Cash. If you've had a different Citi card, like the Citi Double Cash® Card (Rates & Fees), for at least a year and you really want the Citi Custom Cash, it could be worth contacting Citi to see if you can complete a product change.
If you're successful, let us know!
If you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. - Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Related: Best Credit Cards for Everyday Purchases
Bottom Line
In all honesty, this one stings. The Citi Custom Cash might not have been packed with benefits, but the opportunity to earn 5% cash back on up to $500 spent each month with no annual fee is hard to beat. The card offered an easy and effective way to fill any gaps in your overall credit card portfolio.
If you aren't already a cardholder, it's now much more challenging to become one. Only time will tell how long you'll be able to product change an existing Citi account to the Citi Custom Cash.
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For rates and fees of the cards mentioned in this post, please visit the following links: Citi Double Cash® Card (Rates & Fees)
