The Citi Custom Cash offers 5% cashback on your top spending category each billing cycle.
Whether you spend the most on dining, groceries, gas, or another category, this card ensures that you’re earning top rewards where it matters most.
The best part is that the card automatically adjusts to your spending habits, so you don’t need to track or manage categories manually. Each month, it identifies your top category and ensures you earn the maximum cashback.
Beyond the 5% cashback, the Citi Custom Cash Credit Card also offers 1% cashback on all other purchases, ensuring you’re rewarded for every dollar spent.
This makes it a versatile card for those who want to earn more on everyday purchases while benefiting from a significant rewards boost on their most frequent spending areas.
Whether you’re stocking up on groceries, filling up at the gas station, or enjoying a night out, the Citi Custom Cash Credit Card adapts to help you earn more on your everyday purchases.
This flexibility makes the card especially useful for individuals with varying spending habits from month to month.
Citi Custom Cash
No annual fee Foreign transaction fees applyHow does the Citi Custom Cash Credit Card work?
The Citi Custom Cash Credit Card is tailored for those who want flexible rewards that adapt to their spending habits.
It stands out by offering 5% cashback on your highest eligible spending category each billing cycle, up to $500 in purchases per month, with 1% cashback on all other spending.
This structure ensures that you maximize rewards where you spend the most, whether it’s at restaurants, grocery stores, gas stations, or other eligible categories.
As an added benefit, new cardholders can earn a $200 bonus after spending $750 within the first three months of opening the account.
This welcome offer provides an immediate boost to your rewards balance, making the card even more appealing.
Redemption options through the Citi ThankYou® Rewards program are versatile. You can use your cashback for statement credits, travel, gift cards, or merchandise, giving you the freedom to tailor rewards to your needs.
With no annual fee, the card is a cost-effective option for maximizing rewards without added financial obligations.
Main benefits of Citi Custom Cash Credit Card
The Citi Custom Cash Credit Card offers several advantages for those who want to earn high cashback in their most frequent spending categories:
- 5% Cashback on Top Spending Category: Earn 5% cashback on your top category, ensuring that you earn more where you spend most.
- No Annual Fee: Keep all your rewards without the cost of an annual fee.
- $200 Sign-Up Bonus: Enjoy a $200 bonus after spending $750 in the first 3 months.
- No Foreign Transaction Fees: Use your card internationally without incurring additional fees.
- Easy Redemption Options: Redeem rewards for a wide range of options, including travel, statement credits, and gift cards through Citi’s ThankYou® Rewards program.
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Cons of Citi Custom Cash Credit Card
While the Citi Custom Cash Credit Card offers numerous benefits, there are a few things to keep in mind:
- $500 Limit on 5% Cashback: The 5% cashback is capped at the first $500 spent in your top category each billing cycle. After this limit, you’ll earn 1%.
- Limited Bonus Categories: Although the top category is flexible, there are still limitations on the categories eligible for 5% cashback. You’ll need to track your spending to make sure you’re optimizing rewards.
- Introductory APR Offer: While the card offers 0% APR on purchases for the first 15 months, after that, the APR can be relatively high, which may be a concern for those who carry balances.
APR and Fees
The Citi Custom Cash Credit Card has the following fees and APR structure:
- Annual Fee: $0.
- Introductory APR: 0% on purchases for the first 15 months.
- Standard APR: Variable APR of 18.24% to 28.24%, based on creditworthiness.
- Balance Transfer Fee: Either $5 or 5% of the transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
How to apply for the Citi Custom Cash Credit Card
Applying for the Citi Custom Cash Credit Card is easy:
- Visit the Citi Website: Go to the Citi Custom Cash application page.
- Check Your Eligibility: Use the pre-qualification tool to see if you’re eligible for the card without impacting your credit score.
- Complete the Application: Provide your personal information, such as income, Social Security number, and address.
- Review the Terms: Make sure you’re comfortable with the card’s terms, fees, and rewards structure before submitting your application.
- Submit Your Application: Once complete, submit your application online and receive a decision, usually within minutes.
