Citi has stopped taking applications for the Custom Cash card

Citi confirmed it has stopped accepting applications for the Custom Cash card, with applications ending as of 28 May 2026. It now points people looking for cash back toward the Double Cash instead. The card no longer appears on Citi's card listing page.

A Citi spokesperson said existing cardmembers are not impacted and can carry on using the card and its benefits.

Why it mattered

The Custom Cash paid 5% on your highest eligible spending category each billing cycle, automatically, with no activation and no category selection. That structure was genuinely unusual. Most 5% cards make you either activate a rotating calendar or pick a category in advance, and most people forget to do one or the other.

If you hold it

Keep it. There is nothing currently available that replicates the automatic top-category structure.

Worth knowing: Citi has previously pushed existing holders of a discontinued product into a different card, as it did with Citi Rewards+, which was replaced by the Citi Strata. It has not said it will do that here, but it is a possibility rather than a certainty that the card lives on indefinitely.

For alternatives, the Chase Freedom Flex is the closest rotating-category match, with the activation requirement attached. For flat-rate simplicity the Citi Double Cash pays 2% and is Citi's own recommendation.

Sources

Terms change without notice. Confirm anything time-sensitive on the issuer's or provider's own page before you act on it.

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