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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!

by Danilo Pereira

04/11/2022 | Updated on 03/28/2023

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

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 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!

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Credit Score	Good/Excellent.
Annual Fee	$0 annual fee.
Regular APR	0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness; 29.99% variable APR for cash advances.
Welcome bonus	Earn $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.
Rewards	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. 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 purchases and balance transfers for the first 15 months (then an 18.74% – 28.74% variable APR).

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

No annual fee.
Unique cash back categories not covered by other cards.
Wide range of options for cash back redemptions.

Cons

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

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit Scores Required

Applicants for the Citi Custom Cash℠ will need a Good/Excellent credit score (670 or higher) 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!