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Citi Custom Cash℠ Card

Requires sign in
Rewards Rate
5% on top eligible spending category up to $500 each billing cycle, 1% thereafter
Welcome Offer
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Typical Credit Score
Excellent, Good
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Details
  • Click APPLY NOW to securely apply online.
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.

  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

  • No Annual Fee

  • Citi will only issue one Citi Custom Cash℠ Card account per person.

What is the Citi Custom Cash℠ Card

General Overview

The Citi Custom Cash℠ Card, from our partner, is a rewards card for consumers with good to excellent credit. Its main feature is that it allows you to earn 5% cash back in your top eligible spending category each billing cycle and 1% cashback on all other purchases. You will not choose arbitrarily which category you receive the 5% cash back in, nor will Citi, instead you will automatically receive it in the the category which you spent the most in during each billing cycle. 

This offering is a great option for people who don't want easy to use everyday rewards. The 5% cash back reward is capped at $500 after which you will receive 1% in your top category, and there is no annual fee. The Citi Custom Cash℠ Card card offers a compelling $200 welcome bonus after achieving $750 in spending, and comes with a minimal forgeign transaction fee. The Citi Custom Cash℠ Card is great for spenders with high credit scores who are looking for a low maintenance card with good rewards.

Do You Qualify For a Citi Custom Cash℠ Card?

Before you start worrying about whether you should apply for a Citi Custom Cash℠ Card or not, you have to determine if you are able to apply for one in the first place. In order to qualify for the Citi Custom Cash℠ Card, you should have a credit score around 700. This is a relatively high score, and thus the Citi Custom Cash℠ Card is intended for consumers with a good credit history.

How Do You Apply For a Citi Custom Cash℠ Card?

Applying for a Citi Custom Cash℠ Card is not especially difficult or time consuming. Simply click the green 'APPLY NOW' button above to be taken to your secure application. Here, we will further break down the application process and explain step-by-step how to apply for a Citi Custom Cash℠ Card. 

Advantages:

Cost

The Citi Custom Cash℠ Card card is an extremely low maintenance credit card. Its APR of 13.99%-23.99% (Variable) gives you a chance to qualify for an APR below the national average (16.31%), making it less expensive to carry a balance on this card. Furthermore, the card carries no annual fee. Thus, you do not have to worry about spending a certain amount so you can earn enough in rewards to offset your annual fee.

Welcome Bonus

The Citi Custom Cash℠ Card card comes with a welcom bonus which increases the amount of rewards you can earn in your first few months with the card. You can earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. The Citi Custom Cash Back card also comes with an introductory 15-month period with 0% APR. Thus, you will not have to pay interest on the balance you owe for over a year with the Citi Custom Cash Back card, allowing you time to settle down and get used to the card and your spending habits.

Rewards Program 

The Citi Custom Cash℠ Card’s rewards program is both convenient and simple. This card offers 5% cash back, up to $500 spend or $25 in rewards, in the category which you spent most in during each billing cycle. After $500, and for purchases in all other categories, you will receive 1% cash back. This rewards program is very easy to understand and does not encourage you to alter your spending habits in any way in order to qualify for rewards, such as a card that only offers rewards for dining or traveling might. The card also allows you to earn unlimited cash back, although the 5% cash back rate is capped at $500.

Conclusion

As with many decisions centered around your personal finances, picking a credit card is a highly personalized choice. Thus, you should evaluate the Citi Custom Cash℠ Card’s strengths and weaknesses, while factoring in your own personal preferences. 

This card is a strong option for consumers that do not spend most of my money on one particular category. For most of us, how we spend differs depending on the billing cycle. You might spend more on dining, entertainment, or gas dependig on the month. Furthermore, you can rest assured that you will get a good return on investment for this card considerating it has no annual fee. This these qualities sound like you then you would be well suited for the general reward program of the Citi Custom Cash℠ Card. 

Interested in what the Citi Custom Cash℠ Card has to offer? Click 'APPLY NOW' in the top navigation bar to submit an application!

Complete Card Details
Rewards Rate
5% on top eligible spending category up to $500 each billing cycle, 1% thereafter
Welcome Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Typical Credit Score
Excellent, Good
Intro Annual Fee
N/A
Annual Fee
$0
Additional User Annual Fee
N/A
Foreign Transaction Fee
3%
Intro Purchase APR
0% for 15 months
Regular Purchase APR
13.99%-23.99% (Variable)
Cash Advance Fee
5%, 10 minimum
Cash Advance APR
25.24% (Variable)
Late Fee
Up to $40
Intro Balance Transfer APR
0% for 15 months
Regular Balance Transfer APR
13.99% - 23.99% (Variable)
Penalty APR
29.99% (Variable)
Balance Transfer Fee
5%, $5 minimum
Return Payment Fee
Up to $40
Minimum Deposit
N/A
Credit Card Network
Mastercard
Credit Card Issuer
Citi
Citi Custom Cash℠ Card FAQ

What is the minimum credit score required to apply for Citi Custom Cash℠ Card?

A credit score of 670 is required to be eligible for Citi Custom Cash℠ Card.

What is the minimum deposit required for Citi Custom Cash℠ Card?

There is no minimum deposit required for this credit card.

What is the Intro Annual Fee for Citi Custom Cash℠ Card

The Intro Annual Fee for Citi Custom Cash℠ Card is not available at the moment. Please check the terms for more details.

What is the Annual Fee for Citi Custom Cash℠ Card

The Annual Fee for this credit card is $0.

What is the Intro Purchase APR for Citi Custom Cash℠ Card

The Intro Purchase APR for Citi Custom Cash℠ Card is 0% for 15 months.

What is the Regular Purchase APR for Citi Custom Cash℠ Card

The Regular Purchase APR for Citi Custom Cash℠ Card is 13.99%-23.99% (variable).

What is the Intro Balance Transfer APR for Citi Custom Cash℠ Card

The Intro Balance Transfer APR for Citi Custom Cash℠ Card is 0% for 15 months.

What is the Regular Balance Transfer APR for Citi Custom Cash℠ Card

The Regular Balance Transfer APR for Citi Custom Cash℠ Card is 13.99% - 23.99% (variable).

What is the Cash Advance APR for Citi Custom Cash℠ Card

The Cash Advance APR for Citi Custom Cash℠ Card is 25.24% (variable).

What is the Cash Advance Fee for Citi Custom Cash℠ Card

The Cash Advance Fee for this credit card is 5%, 10 minimum.

What is the Late Fee for Citi Custom Cash℠ Card

The Late Fee for this credit card is up to $40.

What is the Penalty APR for Citi Custom Cash℠ Card

The Penalty APR for this credit card is 29.99% (variable).

What is the Balance Transfer Fee for Citi Custom Cash℠ Card

The Balance Transfer Fee for Citi Custom Cash℠ Card is 5%, $5 minimum.

What is the Min. Balance Transfer Fee for Citi Custom Cash℠ Card

The Min. Balance Transfer Fee for Citi Custom Cash℠ Card is 5%, $5 minimum.

What is the Foreign Transaction Fee for Citi Custom Cash℠ Card

The Foreign Transaction Fee for this credit card is 3%.

What is the Return Payment Fee for Citi Custom Cash℠ Card

The Return Payment Fee for Citi Custom Cash℠ Card is up to $40.
$738
$1,065
$261
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