The Citi Custom Cash credit card offers personalized rewards, adapting to your spending habits. With it, you can maximize your benefits with no annual fees, making your purchases more rewarding.
This card allows you to earn 5% cashback in your most frequently used spending category each billing cycle. Additionally, it offers 1% unlimited cashback on all other purchases, with no caps.
The Citi Custom Cash also offers many other benefits. Below, you’ll find a detailed breakdown of these perks and a step-by-step guide on how to apply. Check it out!
Meet the Issuer
The Citi Custom Cash credit card is issued by Citibank, a globally recognized financial institution known for its stability and innovation. With decades of experience in the financial market, Citibank provides products and services that meet customers’ needs worldwide.
In addition to its financial strength, Citibank is known for its commitment to security and customer satisfaction. The institution continuously invests in technology and customer service to deliver a high-quality banking experience.
By choosing the Citi Custom Cash, you gain the trust and expertise of one of the world’s largest banks, ensuring peace of mind and security in your financial transactions.
Main Benefits of the Card
Personalized Cashback (5%): The Citi Custom Cash credit card offers 5% cashback on the spending category you use the most, such as transportation, groceries, or dining, up to a $500 limit per billing cycle. After reaching this limit, purchases in that category earn 1% cashback.
Unlimited Cashback (1%): The card guarantees 1% cashback on all purchases, with no limits. This means every expense, regardless of where or how you spend, earns rewards.
Welcome Offer: The Citi Custom Cash credit card provides a $200 cashback bonus when you spend $1,500 in the first six months. This is a great opportunity to maximize rewards right after approval, helping to offset initial expenses with additional cashback.
Travel Benefits: If you use the card to book travel through Citi Travel, you can earn up to 4% cashback. This benefit is ideal for frequent travelers looking to save on travel-related expenses, including transportation, accommodations, and other services.
Purchase Protections and Warranties: The Citi Custom Cash includes purchase protections such as extended warranties and coverage for damage or theft of items bought with the card. This means your purchases are protected for an extended period beyond the manufacturer’s warranty, offering extra peace of mind.
Access to Citi Entertainment: With the Citi Custom Cash, you get exclusive VIP access to entertainment events, including concerts, shows, and sports events. This allows you to enjoy a more exclusive and exciting experience at your favorite events, often with special offers.
Spending Alerts and Credit Monitoring: The card provides personalized alerts for your purchases, helping you manage your budget and avoid surprises. Additionally, you can access free credit monitoring, allowing you to track your credit score over time and make informed financial decisions.
Zero Fraud Liability: With zero liability protection, you won’t be held responsible for fraudulent purchases made with your Citi Custom Cash credit card. This adds an extra layer of security when using the card since, if suspicious activity occurs, the bank ensures you won’t be financially impacted.
Flexible Reward Redemption: The Citi Custom Cash offers flexible options for redeeming cashback rewards, including statement credits, direct deposits to your bank account, or even gift cards. This makes it easy and convenient to use your rewards in a way that suits your needs.
Citi Custom Cash Credit Card: Fees and Commissions
The Citi Custom Cash credit card has no annual fee, making it a cost-effective option for those looking to maximize benefits without extra costs. However, there is an APR of 18.24% to 28.24% after the introductory 0% APR period.
Note: Fees and conditions are subject to change without notice. It’s important to regularly check for updated information with Citibank.
Card limit
The initial credit limit for the Citi Custom Cash is determined based on the applicant’s credit analysis, considering factors such as credit history, income, and other financial criteria.
Maintaining a good payment history and using credit responsibly can help increase your limit over time.
Positive points
- Personalized Cashback:Adjust your rewards to match your spending habits.
- No Annual Fee:Enjoy benefits without additional costs.
- Welcome Offer:Earn $200 cashback after meeting the spending requirement.
Negative points
- Cashback Limit:The 5% cashback is limited to $500 in spending per billing cycle.
- Interest Rates:APRs can be high if you carry a balance.
- Initial Credit Limit:The initial limit may be low for some applicants.
How to Apply for Your Citi Custom Cash Credit Card
- Visit the official Citibank website.
- Select the Citi Custom Cash credit card from the available options.
- Click “Apply Now” to begin the application process.
- Fill out the form with your personal and financial information.
- Review and submit your application for credit evaluation.
How to Contact Citi Custom Cash
For assistance or additional information about the Citi Custom Cash credit card, you can use the following contact options:
- Phone: 1-800-347-4934
- Branch: Visit a Citibank branch and speak with a representative.
Don’t miss the opportunity to earn rewards on every purchase! Apply for your Citi Custom Cash today and take advantage of all its benefits.
