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Citi Custom Cash℠ Card review: is it worth it?

The Citi Custom Cash℠ Card offers great welcome bonuses and rewards. Interested? Learn everything about this credit card here!

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

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Citi Custom Cash℠ Card: earn unlimited cash back on everyday expenses!

Citi Custom Cash card
Check out our Citi Custom Cash℠ review. Source: Citi Youtube.

If you are looking for convenience combined with high rewards, the Citi Custom Cash℠ Card is an excellent pick! Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back thereafter.

The Citi Custom Cash℠ Card adapts to your spending habits and offers the best possible cash rewards, so you can get your own Citi card to enjoy all its benefits and perks.

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Citi Custom Cash℠ Card: a guide to the application

Learn how to apply for the Citi Custom Cash℠ Card: earn unlimited cash back without worrying about an annual fee!

Credit ScoreExcellent, Good, Fair.
Annual Fee$0 annual fee.
Regular APR0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness;

29.99% variable APR for cash advances.
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.
RewardsEarn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back thereafter.
And unlimited 1% cash back on any other purchase.

Citi Custom Cash℠ Card

The adaptability of the Citi Custom Cash℠ stems from its non-rotating spending categories.

This means it does not require you to enroll in a new category every quarter but can also assess which categories you have been spending more and automatically assign your highest spend category with the 5% cash back on each billing cycle (up to the first $500 spent, 1% cash back thereafter).

Eligible categories include:

  • grocery stores,
  • gas stations,
  • restaurants,
  • select travel,
  • home improvement stores,
  • select streaming services,
  • drugstores,
  • select transit,
  • fitness clubs and live entertainment.

The Citi Custom Cash℠ Card also offers a $200 cash back on the first $1,500 you spend in the first 6 months of opening your account.

You will receive it in the form of ThankYou® points and may be redeemed as a statement credit, direct deposit, a check in the mail, gift cards, student loan or mortgage payments, or even donating to charity.

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Citi Custom Cash℠ Card: should you get one?

Woman buying at the shop
Learn all about this card’s features. Source: Adobe Stock.

As we mentioned earlier, convenience is one of the most relevant features of the Citi Custom Cash℠ Card, along with the 5% cash back on the first $500 spent on one of the eligible categories and 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.

However, once you hit the $500 cap on one eligible category (which will earn you $25), you will only get 1% cash back until the next billing cycle, even on eligible categories. Besides that, all purchases outside the eligible categories will earn you only 1% cash back.

Here’s a quick list of pros and cons for the Citi Custom Cash℠:

Pros

  • Earn $200 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.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash(SM) Card account per person.

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Cons

  • The limited list of additional benefits.
  • 3% fee on foreign transactions (not suitable for travelers).
  • High balance transfer fee.

Credit Scores Required

Applicants for the Citi Custom Cash℠ will need an Excellent, Good, or Fair credit score to qualify.

Citi Custom Cash℠ Card application: how to do it?

You can apply for the Citi Custom Cash℠ directly on Citi’s website. You will be required to fill out a registration form with information such as your name, address, income, and social security number so that the platform can run a credit analysis and set your initial credit limit. 

For more info about the application process, check out our article below!

Citi logo

Citi Custom Cash℠ Card: a guide to the application

Learn how to apply for the Citi Custom Cash℠ Card: earn unlimited cash back without worrying about an annual fee!

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

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