Citi Custom Cash℠ Card: a guide to the application

If you're looking for a card with a welcome bonus and cash back rewards, the Citi Custom Cash℠ Card may be what you need. Check out how to apply for it and start earning rewards right away!


by Danilo Pereira

04/11/2022 | Updated on 02/07/2023

Citi Custom Cash℠ Card: benefit from outstanding welcome bonuses!

Citi logo
See how the application process works. Source: Citi Youtube.

Applying for the Citi Custom Cash℠ Card is a no-brainer, and this wildly convenient card offers a $200 welcome bonus after the first $1,500 you spend in the first 6 months of opening your account.

Plus, there’s a 0% intro APR on purchases or balance transfers for the first 15 months, then an 18.49% – 28.49% variable APR.

So, keep reading to learn how to apply today and enjoy its benefits!


Credit Card

Citi Custom Cash℠ Card

Mastercard Cash back

Use this card for your purchases and enjoy cash back rewards.

You will be redirected to another website

How to apply: a step-by-step guide

Woman using laptop
Check out how to apply. Source: Adobe Stock.

On Citi’s website, run the cursor over the “Credit Cards” tab to reveal a dropdown menu, and select the option “Cash Back Credit Cards”. This will take you to a new page, where the first option is the Citi Custom Cash℠ Card. Click on “Learn More & Apply”.

On the next page, click on “Apply Now” and fill out the application form with your name, address, contact, and financial information. Make sure you set up a strong password and check the 2 boxes at the bottom of the page before clicking “Agree and Submit”.

The website will then run a quick credit analysis which may take a few minutes before confirming you have been approved, as well as informing you of your initial credit limit. You’ll be getting your Citi Custom Cash℠ Card in the mail in about 7 to 10 business days. 

If you prefer, you can also apply over the phone. Just call 1-800-362-0526.


Citi Custom Cash℠ Card vs. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is a comparable match to the Citi Custom Cash℠ with a couple of important distinctions. 

First, you don’t need to spend as much with the Quicksilver card in order to be rewarded with your initial bonus.

Second, and this is an important one, the Quicksilver card cash back program offers 1.5% cash back on all purchases regardless of category, and that’s pretty much all it offers.

So, check the comparison table below and choose the card that best fits your needs.

Citi Custom Cash℠ CardCapital One Quicksilver Cash Rewards Credit Card
Credit ScoreGood/Excellent.Excellent.
Annual FeeNo annual fee.No annual fee.
Regular APR0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness.

29.74% variable APR for cash advances.
16.49% – 26.49% (Variable).
Welcome bonusEarn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
0% intro APR for 15 months. 16.49% – 26.49% (variable) after that.
RewardsEarn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
And unlimited 1% cash back on any other purchase.
1.5% unlimited cash back on all purchases.
Logo Capital One

Application Capital One Quicksilver Cash Rewards

Capital One Quicksilver Cash Rewards is a credit card that returns money in a simple way and allows owners to accumulate various rewards over time. Learn how to apply!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author  /  Danilo Pereira

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