The Citi Custom Cash Credit Card has flexible cash back rewards system that allows you to earn up to 5% cash back on your highest spending categories, and the categories change automatically according to your spending habits, while also earing 1% on all your other purchases.
Its ability to adapt to your spending, combined with no annual fee and a 0% intro APR period, makes it a great option for everyday use, especially for those who are looking for a budget friendly option in the credit card market.
Cash backKey Features
- No Annual Fee
- Welcome Offer: earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
- 0% Intro APR: get 0% Intro APR for 15 months on purchases and balance transfers; after that, the variable APR will be 18.74% 28.74%, based on your creditworthiness
- Cashback:
- Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent, after reaching the cap, earn 1% cash back;
- Earn 1% cash back on all other purchases;
- Special Travel Offer: earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel;
- As your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories;
- Redeem your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and shop with points at Amazon.com.
- Mastercard ID Theft Protection
- $0 Liability on Unauthorized Charges
- Free Access To Your FICO Score: view your FICO Score anytime, with no impact to your score
- Fraud Early Warning: monitors your account for suspicious activity
- Citi Quick Lock: instantly block new charges, while allowing recurring charges to continue without disruption
- 24/7 Customer Service
- Citi Entertainment: you can enjoy access to music, sports, culinary experiences and more – from virtually anywhere.
Fees and Charges
- Annual Interest Rate:
- Purchases: 18.74% to 28.74%
- Cash Advances: 29.99%
- Balance Transfers: 18.74% to 28.74%
- Transaction Fees:
- Balance Transfer: either $5 or 5% of the amount of each transfer
- Cash Advance: either $10 or 5% of the amount of each cash advance
- Foreign Purchase Transaction: 3%
Why Should You Choose The Citi Custom Cash Credit Card Credit Card?
Unlike other cards that require you to select categories or deal with rotating options, this card automatically gives you 5% cash back in your top spending category. Whether you’re spending a lot on dining out one month or making home improvement purchases the next, the card adjusts to ensure you’re always maximizing your rewards. In addition to that, you get multiple options on how to redeem your rewards.
With no annual fee, this card is ideal for those who want to enjoy all of the card’s benefits without worrying about paying a yearly fee. The 0% APR for 15 months on purchases and balance transfers makes this card appealing to those looking to finance larger purchases or transfer existing balances.
How To Apply To The Citi Custom Cash Credit Card
In order to be eligible, you need to be at least 18 years old and and have a Good/Excellent Credit Score. Here’s how to apply:
- Visit the Website: click on the button below to access the website. Then, click on the “Apply Now” option;
- Fill The Application Form: provide any personal and financial details requested and submit the form;
- Wait for Approval: after submitting, wait for approval.