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Citi Custom Cash credit card offers convenience, security and financial versatility for your users.
The Citi Custom Cash® Credit Card is a dynamic cashback card that adapts to your lifestyle. With tailored rewards, flexible redemption options, and no annual fee, it’s a practical choice for users seeking personalized value.
Citi Custom Cash
$200 welcome bonus Flexible redemption optionsHow Does the Citi Custom Cash® Credit Card Work?
The Citi Custom Cash® Credit Card automatically calculates your top spending category each billing cycle and awards 5% cashback on up to $500 spent in that category. Eligible categories include groceries, restaurants, gas stations, streaming services, travel, and more. All other purchases earn 1% cashback, ensuring that every transaction contributes to your rewards.
The card’s rewards are issued as ThankYou® Points, which offer flexible redemption options. You can use these points for statement credits, direct deposits, travel bookings, or gift cards. This flexibility ensures that your rewards fit your lifestyle and spending habits.
New cardholders can take advantage of a $200 welcome bonus after spending $1,500 in the first three months. Additionally, the card includes a 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable APR. These features make it a helpful tool for managing larger expenses or consolidating debt.
Main Benefits for the Citi Custom Cash® Credit Card
The Citi Custom Cash® Credit Card stands out for its unique ability to adjust to your spending habits. The 5% cashback on your top spending category each billing cycle ensures that you’re always maximizing rewards in the areas where you spend the most.
The $200 welcome bonus adds immediate value for new cardholders, while the lack of an annual fee ensures that you can earn rewards without added costs. The card’s flexible redemption options make it easy to use your rewards in ways that suit your needs, whether that’s reducing your balance, booking travel, or enjoying gift cards.
With robust fraud protection and access to Citi’s digital tools, the card also offers added security and convenience for cardholders.
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Cons for the Citi Custom Cash® Credit Card
While the Citi Custom Cash® Credit Card offers significant advantages, it does have some limitations. The 5% cashback is capped at $500 in spending per billing cycle, which may limit its value for high spenders.
Additionally, the rewards are limited to specific eligible categories, which may not align with all users’ spending patterns. The card also requires good to excellent credit for approval, potentially excluding individuals with lower credit scores.
Despite these drawbacks, its flexibility, affordability, and tailored rewards structure make it a strong option for everyday use.
APR and Fees
The Citi Custom Cash® Credit Card features no annual fee, ensuring affordability for all users. It includes a 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable APR based on creditworthiness.
Balance transfers are subject to a fee of 5% (minimum $5). Reviewing the card’s terms and conditions is essential to fully understand its fees and benefits.
How to Apply for the Citi Custom Cash® Credit Card
Applying for the Citi Custom Cash® Credit Card is simple. Follow these steps:
- Visit the Website: Navigate to Citi’s official website and locate the Custom Cash® Credit Card application page. Click “Apply Now” to begin.
- Provide Your Information: Enter your personal details, including your name, address, Social Security number, and income.
- Review the Terms: Carefully read the card’s terms and conditions, focusing on rewards, fees, and APR.
- Submit Your Application: Double-check your information and submit the application. Many applicants receive a decision quickly.
- Activate Your Card: Once approved, your card will arrive within 7–10 business days. Activate it to start earning rewards immediately.
Final Thoughts
The Citi Custom Cash® Credit Card is an innovative option for users seeking personalized rewards. With 5% cashback on your top category, a $200 welcome bonus, and no annual fee, it delivers tailored value for everyday spending.
While it may not appeal to users seeking unlimited rewards or extensive travel perks, its adaptability and flexibility make it a standout choice for budget-conscious individuals. For anyone looking for a card that adjusts to their lifestyle, the Citi Custom Cash® Credit Card is an excellent option.
