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Citi Custom Cash Guide

📊16 community entries

Grocery

Bank & Card

Date

2026-03-18

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Grocery

Bank & Card

Date

2026-03-14

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD5% Cash Back (With Bonus Earning)

Rewards

2.5 USD

Groceries

Bank & Card

Date

2026-02-25

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.publix.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Groceries

Bank & Card

Date

2026-02-25

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.kroger.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Grocery

Bank & Card

Date

2026-02-17

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Lyft

USA

Transit

Bank & Card

Date

2026-02-14

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Weee

USA

Grocery

Bank & Card

Date

2026-01-31

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Bank & Card

Date

2026-01-25

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1 USD

Lyft

USA

Transit

Bank & Card

Date

2025-12-12

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Uber

USA

Transit

Bank & Card

Date

2025-12-12

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Dining

Bank & Card

Date

2025-10-15

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.dunkindonuts.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Dining

Bank & Card

Date

2025-10-15

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.starbucks.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Transit

Bank & Card

Date

2025-09-25

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Groceries

Bank & Card

Date

2025-09-13

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.target.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Restaurant

Bank & Card

Date

2025-09-03

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Weee

USA

Grocery

Bank & Card

USA flag

Citi Custom Cash(Apple Pay)

Date

2024-06-01

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD


Quick Rewards Guide for Citi Custom Cash

💡 Primary Spending Category: The community most frequently reports using the Citi Custom Cash for "Grocery" transactions as well as for "Transit & Groceries".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 5% cash back on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Yamibuy, Instacart, Publix, Kroger. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the Custom Cash for?

Based on verified community transactions, the Citi Custom Cash yields the best return when used for "Grocery" transactions, followed closely by "Transit, Groceries".

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.