Citi Custom Cash Card

Welcome Bonus

$200 cash back

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

Annual Fee

$0

Annual Rewards

Up to 5% cash back

N/A

Rewards on Approval

N/A

Interest rates

Purchase Rates

18.74%

Cash Advance Rates

29.99%

Balance Transfer Rates

18.74%

Table of Contents

Citi Custom Cash Card

The Citi Custom Cash Card is a flexible cashback credit card that automatically adapts to your spending habits. It offers generous rewards in your top eligible spending category each month, making it easy to earn cash back.

Pros

  • Generous cash back rewards program with up to 5% cash back in rotating categories.
  • No annual fee, allowing you to enjoy the benefits of the card without incurring any extra costs.
  • Introductory offer of 0% APR for 15 months on balance transfers, followed by a variable APR.
  • Cardholders can access Citi Entertainment, which provides access to pre-sale tickets, special events, and more.
  • Digital Wallet options are available, including Apple Pay, Samsung Pay, and Google Pay.

Cons

  • The 5% cashback categories change every quarter, so you'll need to keep track of them and remember to activate the bonus categories each quarter.
  • The card has a foreign transaction fee of 3%, so it may not be the best option for international travel or purchases.
  • You need to have excellent credit to qualify for this card, so approval may be difficult for some consumers.
  • Although the introductory balance transfer offer is generous, there is a balance transfer fee of either $5 or 5% of the transfer amount, whichever is greater.

Details & Eligibility

  • 800+
  • N/A
  • N/A
  • $0
  • N/A
  • Mastercard
  • No
  • 18.74%
  • 29.99%
  • 18.74%
  • N/A
  • N/A
  • N/A

About Citi Custom Cash Card

Citi Custom Cash Card is a cash back rewards credit card that offers flexibility and customization in rewards categories. It is issued by Citibank and is designed for people who want a simple cash back program that adapts to their spending habits. Here’s what you need to know about the Citi Custom Cash Card:
  • Rewards program: The Citi Custom Cash Card offers 5% cash back on eligible purchases in your top spending category each billing cycle (up to $500 spent per billing cycle), and 1% cash back on all other eligible purchases. You can change your top spending category each billing cycle to fit your changing needs. There is no annual fee for this card.
  • Signup bonus: The Citi Custom Cash Card offers a welcome bonus of $200 cash back after you spend $750 on purchases within the first 3 months of account opening.
  • APR and fees: The APR for purchases and balance transfers ranges from 13.99% – 23.99% variable, depending on your creditworthiness. The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater. There is no foreign transaction fee for this card.
  • Additional benefits: The Citi Custom Cash Card offers a variety of other benefits, including Citi Entertainment, which provides access to presale tickets and exclusive events; Citi® Private Pass®, which offers access to special experiences and perks; and Citi® Quick Lock, which allows you to instantly lock your card if it’s lost or stolen.
Overall, the Citi Custom Cash Card is a good choice for those who want a cash back program that is easy to use and customizable to their spending habits. With no annual fee, a generous signup bonus, and a variety of additional benefits, this card offers a lot of value.

Why choose Citi Custom Cash Card

Looking for a credit card that rewards you for the things you actually buy? The Citi Custom Cash Card is here to help. With this card, you can earn cash back on your everyday purchases, with no annual fee to worry about. What sets the Citi Custom Cash Card apart is its unique earning structure. You’ll earn 5% cash back on purchases in your top eligible spend category each billing cycle (up to $500 spent per cycle) and 1% cash back on all other purchases. Plus, there’s no need to activate or enroll in bonus categories – the card automatically identifies your top eligible spend category each month. But that’s not all. The Citi Custom Cash Card also offers a welcome bonus of $200 cash back after you spend $750 on purchases within the first 3 months of account opening. And if you need a little extra time to pay off a larger purchase, the card comes with a 0% introductory APR for 15 months on purchases and balance transfers (after that, a variable APR applies). With its flexible earning structure, generous welcome bonus, and 0% introductory APR, the Citi Custom Cash Card is an excellent choice for anyone looking to maximize their cash back rewards while keeping things simple and straightforward. Apply today and start earning cash back on the things you already buy.

How to apply for Citi Custom Cash Card

You can apply for the Citi Custom Cash Card by visiting the official website of Citibank or by visiting a Citibank branch. Here are the steps to apply online:
  1. Visit the Citi Custom Cash Card page on Citibank’s website.
  2. Click on the “Apply Now” button.
  3. Fill in the application form with your personal and financial information.
  4. Review the application and submit it.
If you are approved, you should receive your Citi Custom Cash Card within 7-10 business days. It’s important to note that approval is subject to creditworthiness and other factors, and not all applicants will be approved.

What are my approval odds for Citi Custom Cash Card

The approval odds for the Citi Custom Cash Card will depend on various factors, including your credit score, credit history, income, and other debts. Generally, applicants with good to excellent credit scores (between 670 and 850) and stable income have better chances of being approved for the card. However, it’s essential to note that the final decision is at the issuer’s discretion, and other factors may affect the approval outcome. If you’re unsure about your chances of approval, you can check your credit score and credit report beforehand to ensure they are accurate and up-to-date. Additionally, you may also consider prequalifying for the card, which involves a soft credit check and can give you an estimate of your approval odds without affecting your credit score.

FAQs about Citi Custom Cash Card

Here are some frequently asked questions about the Citi Custom Cash Card:
  1. What is the Citi Custom Cash Card? – The Citi Custom Cash Card is a cashback credit card that allows you to earn rewards on all of your purchases. It offers a customizable rewards program where you can earn cashback on the categories that you spend the most in.
  2. How does the cashback program work? – The Citi Custom Cash Card offers 5% cashback on eligible purchases in your top spending category each billing cycle, up to $500 spent per cycle. You’ll also earn unlimited 1% cashback on all other purchases.
  3. Is there an annual fee for the Citi Custom Cash Card? – No, there is no annual fee for the Citi Custom Cash Card.
  4. What is the APR for the Citi Custom Cash Card? – The APR for the Citi Custom Cash Card varies based on your creditworthiness and other factors. As of May 2023, the APR ranges from 14.74% to 24.74% for purchases and balance transfers.
  5. What is the sign-up bonus for the Citi Custom Cash Card? – The current sign-up bonus for the Citi Custom Cash Card is $200 cashback when you spend $750 in purchases within the first three months of account opening.
  6. What other benefits does the Citi Custom Cash Card offer? – The Citi Custom Cash Card also offers benefits such as Citi Entertainment and contactless payment options, as well as fraud protection and account alerts.
  7. Can I transfer a balance to the Citi Custom Cash Card? – Yes, you can transfer a balance to the Citi Custom Cash Card, but a balance transfer fee will apply.
  8. Is the Citi Custom Cash Card a good choice for me? – The Citi Custom Cash Card can be a good choice for people who want to earn cashback rewards on their everyday purchases, especially if they can take advantage of the customizable rewards program. It also has no annual fee and a sign-up bonus, making it a good option for those looking for a low-cost credit card. However, if you have specific spending categories that you want to earn rewards on, there may be other credit cards that offer higher cashback rates.
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