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RollsRewards
Citi · Mastercard

Citi Custom Cash® Student Card

30 / 100

Annual Fee

$0

Sign-Up Bonus

$200

Spend $1,500 in 6mo

Base Rate

1x

on everything

Best For

Students who want automatic 5% cash back on their top spending category each month

Sign-Up Bonus

Bonus: 200 cash back

Requirement: Spend $1,500 in 6 months

Estimated value: $200

Reward Categories

top category

Auto top spend category each billing cycle (up to $500/month)

Cap: $6,000/yr

5x
Everything else1x

Point value: 0.01¢ each

Key Benefits

No Annual Fee
0% Intro APR 12 Months(~$40/yr)

Pros & Cons

Pros

  • + 5% on your top category each month — automatically applied, no activation
  • + Same great rewards as the regular Custom Cash but designed for students
  • + $200 bonus for $1,500 spend — strong for a student card
  • + No annual fee

Cons

  • - 5% capped at $500 per billing cycle ($6,000/year)
  • - Only 1 category earns 5% per cycle — must concentrate spending
  • - 1% on everything else is below average
  • - Lower starting credit limit typical for student cards
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Recommended credit score: 640+

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Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.