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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.

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.

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!

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.

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.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

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.

About the author  /  Danilo Pereira

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