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Citi Custom Cash℠ Card

Credit needed
Good
APR
13.99% - 23.99% (Variable)
Annual Fee
$0

Card Summary

Citi is an advertising partner. Citi Custom Cash Cards allow you to earn more rewards by not having to join rotating bonus categories.

Citi Custom Cash Card holders receive 5% cashback on the highest amount they spend each billing cycle. This can be up to $500. This category adjusts automatically based upon how much you spend. Restaurants, gas stations and grocery stores are eligible categories. Purchases of all other items earn unlimited 1% cashback

After you have spent $750 in your first three months, $200 will be available to you. You will receive 20,000 Thank You, which you can redeem for $200 cashback.

There is no annual fee for the card. The card offers a 0% intro APR on all purchases and balance transfers for 15 months. After that time, it will be charged 13.99% to 23.99% depending on creditworthiness.

Citi Custom Cash Card benefits include free FICO score access, fraud monitoring and zero liability for unauthorized purchases. You can add users to your Citi Custom Cash Card at no charge and get points for any purchases you make.

Citi Custom Cash Card Review:

The Citi Custom Cash Card is a great choice for people with excellent to good credit and who are looking for a reward card without an annual fee. However, consumers who are likely to spend large amounts in multiple categories might be able to get more value from another card.

The pros:

You can earn 5% cashback by simply changing the category you are in each billing cycle.

The card does not have an annual fee.

Card Summary - Cons

After the initial 15-month APR, this card could have a high APR.

Cardholders are eligible to earn cash back up to 5% in the top spending category of their card each billing cycle.

However, earning potential for multiple categories could be greater with different cards.

Rates and fees

Issuer Name
Citi
Penalty APR
Variable: Up to 29.99%
Credit Needed
Good
Balance Transfer Fee
This offer includes a balance transfer fee of 5% on each transfer, $5 minimum.
Annual Fee
$0
Cash Advance Fee
Cash advances are subject to a 5% cash advance fee; minimum $10
APR
13.99% - 23.99% (Variable)
Foreign Transaction Fee
3%
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The Best Features

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

After you have spent $750 in your first three months, $200 cashback will be given to you. You will receive 20,000 Thank You, which you can redeem for $200 cashback.

For 15 months, 0% Intro Annual Percentage Rate on Balance Transfers and purchases The variable APR on balance transfers and purchases will increase to 13.99%-23.99% depending upon your creditworthiness.

You will receive 5% cashback on all purchases made in the top spend categories each billing cycle. All other purchases qualify for unlimited cashback of 1%.

There are no rotating bonus categories. Your earnings adjust automatically as you spend in eligible categories.

Benefits

Comparative Analysis with Other Cards

Citi Custom Cash Card vs. Citi Double cash Card - 18 Month BT Offer

Annual Fee: These Citi-issued cards can be used by people with excellent to good credit.

Sign-up bonus: Citi Custom Cash Card Holders can get $200 cash back when they sign up for Citi Custom Cash Card. This is after spending $750 in purchases within the first three months.

The bonus will come in the form of 20,000 Thank You, which you can redeem for $200 cashback. Citi Double Cash Card – 18 Month BT Offer does not offer a sign up bonus.

Reward Structures: These cards have different rewards schemes. Your spending patterns with credit cards will determine which card is best for you. Citi Custom Cash Card offers 5% cashback on eligible purchases up to $500 each billing cycle. After that, 1% cashback is available. All other purchases earn you an unlimited 1% cashback.

Citi Double Cash Card – 18 Month BT Offer earns 2% for every purchase. You get an unlimited 1% cash back when you purchase and 1% when your purchase is repaid. You must make at least one payment to earn cashback with Citi Double Cash Card – 18 Month BT Offer.

Benefits: Citi Custom Cash Card provides a 15 month 0% introductory rate on purchases and balance transfer (completed in the first four months). Citi Double Cash Card – 18 Month BT offers an 18-month 0% introductory rate on balance transfers when completed within four months.

The Citi Custom Cash Card's APR is 13.99% – 23.99% (variable) and the Citi Double cash Card - 18-month BT offer an APR 13.99% – 23.99%(variable).

Citi Custom Cash Card Vs. Chase Freedom Flex

Annual Fee: These cards can be used by cardholders who have good credit to outstanding credit.

Reward: Citi Custom Cash Card offers 5% cashback on eligible purchases up to $500 each billing cycle. After that, 1% cashback is available. You also get an unlimited amount of 1% cashback on all purchases. Citi Custom Cash Card holders don't have to register for the rotating bonus categories. The bonus category adjusts based on how much you spend each billing cycle.

Chase Freedom Flex receives 5% cashback on purchases up to $1500, which can be combined with bonus categories that you activate every quarter; Chase Ultimate Rewards earns 5%; dining and delivery is eligible for 3%; drugstore purchases are eligible for 3%; all other purchases get 1%.

Citi Custom Cash Card:

How to Get Rewards?

The cardholder can get 5% cashback on the category they spent the most in each billing cycle up to $500; thereafter, they receive 1% cashback. Other purchases receive an unlimited amount of 1% cashback.

The cardholder doesn't need to register for the rotating bonus category every billing cycle. The amount they earn automatically adjusts when they spend at any eligible category: gas stations, restaurants, grocery stores and select transportation.

You can earn Thank You, Points and cash back rewards. Cardholders earn 5 points for every dollar spent in the top spending category of their billing cycle. This includes purchases up to $500. All other purchases earn cardholders one point per dollar. As long as your account remains open, Thank You(r), points will not expire.

After spending $750 in your first three months, you can get $200 cash back. You will receive 20,000 Thank You, which you can redeem for $200 cashback.

Citi Custom Cash Card:

How do I redeem my rewards?

You can redeem Thank You points for cashback as a check, direct deposit or statement credit. You can redeem points for travel and gift cards, or use them on Amazon.com/PayPal.

What is the APR for Citi Custom Cash Card?

The card offers a 0% intro APR on all purchases, as well as balance transfer transactions that are completed within the first four months. It has an APR of 13.99% to 23.99% (Variable), depending on creditworthiness.

How much does the Citi Custom Cash card cost?

This card does not have an annual fee. According to U.S. News, roughly two-thirds (or three quarters) of credit cards do not charge an annual fee.

The card charges a foreign transaction fee of 3% A third of U.S. News cards have a foreign transaction charge of 3%.

Balance transfer fee: Citi Custom Cash Card charges a fee for every balance transfer of at least $5.

Cash advance fees: The card charges a fee equal to 5% per cash advance. There is a minimum of $10.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

Do You Need the Citi Custom Cash card?

If you are:

You can earn cashback rewards by signing up for the rotating bonus categories every billing cycle.
You are looking for a reward card that does not require an annual fee.
You can expect to spend $750 in the first three months after opening your account, so that you earn $200 cashback.
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