Citi Custom Cash Card Review

Maximize your spending power with 5% cash back in top categories each month, tailored to your unique lifestyle.

The Citi Custom Cash Card is more than just a credit card; it’s a tool designed to enhance your financial flexibility. With its dynamic cashback feature, it adapts to your spending habits, ensuring you get the most out of every purchase. This card is perfect for those who want to make the most of their money without the hassle of tracking categories. Discover how it can effortlessly fit into your lifestyle and maximize your savings.

With this card, you’re not just earning cash back?you’re optimizing it in ways that suit your needs. The Citi Custom Card intuitively understands your spending patterns, making it an invaluable addition to your wallet. Whether you’re a frequent shopper or someone who values financial efficiency, this card offers a tailored solution that aligns with your spending habits.

CREDIT CARD

Citi Custom Cash

0% APR for 12 months cash back 5%

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Detailed Positives of the Citi Custom Cash Card

• Flexible Cashback: The Citi Custom Card offers a unique and adaptive 5% cashback in your top eligible spend category each billing cycle, automatically adjusting to your spending habits. Whether you’re splurging on groceries, dining, or entertainment, this card rewards you where you spend the most, allowing you to maximize your cash back without needing to micromanage your expenses.

• No Rotating Categories: Unlike other cashback cards that require you to enroll in rotating categories, the Citi Custom Card automatically applies the highest cashback rate to your top spending category each month. This simplicity means less hassle and more focus on enjoying your rewards, making it an ideal choice for those who prefer a straightforward approach to earning cash back.

• Zero Annual Fee: The Citi Custom Card comes with zero annual fee, making it an excellent choice for those who want to maximize their rewards without the burden of extra costs. You can enjoy the card’s benefits year round without worrying about additional charges cutting into your savings.

• Introductory APR: New cardholders can benefit from an introductory 0% APR on purchases and balance transfers for the first 15 months, providing a great opportunity to manage larger expenses or consolidate debt without accruing interest. This feature makes the card especially appealing for those planning significant purchases or looking to pay down existing balances.

• Wide Acceptance: As a Mastercard, the Citi Custom Card is accepted at millions of locations worldwide, ensuring you’re covered whether you’re shopping locally or traveling abroad. The card’s global acceptance makes it a reliable companion for both everyday purchases and international travel.

• Seamless Integration: The Citi Custom Card integrates smoothly with digital wallets, including Apple Pay, Google Pay, and Samsung Pay, offering added convenience and security for your transactions. This compatibility ensures that you can manage your payments efficiently, no matter how you choose to pay.

• Security Features: Citi provides robust security features with this card, including $0 liability on unauthorized charges, realtime fraud monitoring, and 24/7 customer service. These protections give you peace of mind, knowing your finances are safeguarded against potential threats.

• Easy Redemption Options: The cashback you earn can be easily redeemed for statement credits, direct deposits, or gift cards. This flexibility allows you to choose the redemption method that best fits your financial needs, ensuring you get the most value from your rewards.

• Additional Perks: Beyond cashback, the Citi Cash Card offers additional perks such as Citi Entertainment access, which gives you special access to purchase tickets to thousands of events, including concerts, sporting events, and dining experiences.

Who Can Apply for The Citi Custom Cash Card 

• U.S. Residents: To apply for the Citi Custom Cash Card, you must be a resident of the United States. This residency requirement ensures that you have a stable address and a legal presence within the country.

• Age Requirement: Applicants must be at least 18 years old, or 21 if they reside in Puerto Rico, to qualify for the Citi Custom Card. This age criterion aligns with legal standards for entering into credit agreements.

• Good Credit History: A good to excellent credit score is typically required to qualify for the Citi Custom Cash Card. This reflects your ability to manage credit responsibly and indicates to lenders that you’re a low risk borrower.

• Valid Social Security Number: You must have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to apply. This identification is necessary for the credit check process and to confirm your identity.

• Steady Income: Demonstrating a steady source of income is essential when applying for this card, as it indicates your ability to meet the financial obligations of credit card payments.

• No Recent Bankruptcies: Applicants should have a clean financial record with no recent bankruptcies, as these can negatively impact your eligibility for the Citi Custom Cash Card.

How to Apply for The Citi Custom Cash Card

• Visit the Citi Website: Start your application process by visiting the official Citi website. The online application is straightforward and guides you through each step to ensure you provide all necessary information.

• Provide Personal Information: You’ll need to enter your personal details, including your name, address, date of birth, and Social Security Number. This information is used to verify your identity and assess your eligibility.

• Enter Financial Details: Include your income details and any other financial obligations. This information helps Citi evaluate your ability to manage credit and determine your credit limit.

• Review Terms and Conditions: Before submitting your application, review the terms and conditions. This step is crucial to ensure you understand the interest rates, fees, and other important details associated with the card.

• Submit Your Application: Once you’ve filled out all the required fields and reviewed the terms, submit your application. You’ll typically receive a response within minutes, letting you know if you’ve been approved or if further review is needed.

• Receive Your Card: If approved, your Citi Custom Cash Card will be mailed to you within 7-10 business days. Once received, you can activate it and start enjoying the benefits immediately.

Frequently Asked Questions 

• What is the cashback limit on the Citi Custom Cash Card?

You can earn 5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. After reaching this limit, you’ll earn 1% cash back on all other purchases.

• Is there an annual fee for the Citi Custom Cash Card?

No, the Citi Custom Card has zero annual fee, allowing you to maximize your cashback rewards without worrying about additional costs.

• Can I use the Citi Custom Cash Card internationally?

Yes, the Citi Custom Card is accepted worldwide wherever Mastercard is accepted, making it a great choice for international travel.

• How do I redeem the cashback earned with the Citi Custom Cash Card?

You can redeem your cashback for statement credits, direct deposits, or gift cards through your online account or the Citi mobile app, giving you flexibility in how you use your rewards.

CREDIT CARD

Citi Custom Cash

0% APR for 12 months cash back 5%

APPLY NOW You will be redirected