Cash backThe Citi Custom Cash Credit Card stands out with its flexible cash back rewards system, designed to adapt to your spending habits. Whether you’re looking for a card to maximize everyday purchases or prefer something that tailors to your needs, this card has you covered.
It offers safety, zero liability on unauthorized charges, free access to your FICO Score, customizable rewards program and redemption, 0% introductory APR, and extra cash back for travel related purchases. All of that with no annual fee.
Pros vs. Cons
Pros
- Automatic Rewards Adjustment: the card automatically allocates the 5% cash back reward to your highest spending category;
- Broad Eligibility for Cash Back: from dining to travel and grocery stores, the wide variety of eligible 5% categories ensures you can earn rewards in ways that match your lifestyle;
- No Annual Fee: there is no annual fee, making it a great budget friendly option;
- 0% Introductory APR: 0% APR for 15 months on purchases and balance transfers;
- Flexible Reward Redemption: redeem your points for cash back as a statement credit, direct deposit or check. Or redeem points for gift cards, travel and shop with points at Amazon.com.
Cons
- Spending Cap for Cash Back: the 5% cash-back rewards are limited to $500 in purchases per billing cycle. After that, you’ll earn only 1% on those purchases;
- Balance Transfer Fee: although the card offers a 0% APR on balance transfers, there’s a 5% or $5 balance transfer fee;
- Foreign Transaction Fee: there is a 3% fee on purchases made outside of the U.S.
Why Choose the Citi Custom Cash Credit Card?
The card’s unique feature is its ability to automatically adjust rewards based on your spending habits. For example, if you spend the most on dining one month, you’ll earn the 5% cash back in that category without needing to change anything. So, if your spending habits shift month to month, this card ensures you’re always getting the most rewards without having to plan ahead.
The absence of an annual fee makes it easier to rack up rewards without worrying about offsetting the cost of the card itself. On top of that, for those planning big purchases or looking to consolidate debt, the 0% Intro APR for 15 months can provide breathing room to pay off balances interest-free.
Who Is The Citi Custom Cash Credit Card For?
It is an excellent option for those seeking a cash back card that adapts to their changing spending habits. It’s especially suitable for cardholders who don’t want the hassle of manually selecting rewards categories each quarter. With no annual fee and a 0% introductory APR offer, it’s a great option for budget-conscious spenders looking to maximize rewards without overcomplicating their finances.
If you’re interested, click the button below to learn more about the card, its benefits, requirements, and application process. This could be your first step towards making the most out of your money and lifestyle!