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The Citi Custom Cash℠ Card is a versatile and innovative cashback card designed for individuals who want their rewards to match their spending patterns.
Its dynamic structure and no-annual-fee model make it an excellent choice for those seeking flexibility and consistent value.
Citi Custom Cash
5% cash back No annualHow Does the Citi Custom Cash℠ Card Work?
The Citi Custom Cash℠ Card offers a unique rewards system that automatically adjusts to your spending.
Each billing cycle, you’ll earn 5% cashback on your top eligible spending category, up to $500 in purchases.
Eligible categories include dining, grocery stores, gas stations, travel, fitness clubs, streaming services, and more.
For purchases outside your top category or beyond the $500 cap, you’ll earn unlimited 1% cashback. This ensures that all your spending contributes to your rewards, even if it doesn’t fall into an eligible bonus category.
New cardholders can take advantage of a sign-up bonus by meeting a minimum spending threshold within the first three months. This bonus provides an excellent boost to your cashback balance, making the card even more appealing.
Cashback rewards are earned as ThankYou® Points, which can be redeemed for a variety of options, including statement credits, travel, gift cards, and more. This flexibility allows you to use your rewards in a way that aligns with your financial goals.
Main Benefits for the Citi Custom Cash℠ Card
The Citi Custom Cash℠ Card stands out for its adaptability and simplicity. The 5% cashback on your top spending category ensures that your rewards always align with your spending habits, making it a great option for individuals with varied purchases.
The unlimited 1% cashback on all other spending ensures consistent value across all transactions. With no annual fee, the card is affordable and accessible, allowing you to maximize rewards without additional costs.
The flexibility of redeeming ThankYou® Points adds another layer of value, giving cardholders the freedom to choose how they use their rewards.
For individuals who want a card that works with their lifestyle, the Citi Custom Cash℠ Card delivers.
The Citi Custom Cash card is a versatile credit card designed to adapt to your spending habits.
With no annual fee, it offers a unique rewards structure, automatically giving you 5% cashback on your highest eligible spending category each billing cycle, up to $500 spent.
Eligible categories include groceries, dining, gas stations, and more. Beyond the 5% cashback, all other purchases earn 1% cashback, making it a well-rounded option for various expenses.
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Cons for the Citi Custom Cash℠ Card
While the Citi Custom Cash℠ Card offers many advantages, it does have some limitations. The 5% cashback is capped at $500 in purchases per billing cycle, which may restrict earning potential for high spenders in eligible categories.
Additionally, the card requires good to excellent credit for approval, which may limit accessibility for some applicants.
It also lacks premium perks such as travel insurance, extended warranties, or concierge services, which are often included with higher-tier cards.
Despite these drawbacks, the card remains an excellent choice for individuals who value flexible and adaptive rewards.
APR and Fees
The Citi Custom Cash℠ Card has no annual fee, making it a cost-effective option for cashback seekers.
The card includes a competitive introductory APR for purchases and balance transfers, adding flexibility for new cardholders.
After the introductory period, a variable APR applies based on your creditworthiness.
It’s important to review the full terms and conditions to understand potential fees for balance transfers, late payments, or cash advances.
How to Apply for the Citi Custom Cash℠ Card
Applying for the Citi Custom Cash℠ Card is straightforward. Follow these steps:
- Visit the Website: Go to Citi’s official website and locate the Custom Cash℠ Card application page. Click “Apply Now” to begin.
- Provide Your Information: Enter your personal details, including your name, address, Social Security number, and income.
- Submit Your Application: Review your information carefully and submit the application. Many applicants receive a decision quickly.
- Activate Your Card: Once approved, your card will arrive within 7–10 business days. Activate it and start earning rewards immediately!
The Citi Custom Cash℠ Card is an innovative and flexible cashback card that adapts to your spending habits.
Its dynamic 5% cashback structure, combined with unlimited 1% cashback on all other purchases, ensures consistent value across all transactions.
While the spending cap on 5% categories may limit earning potential for some users, the card’s no-annual-fee model and flexible redemption options make it a standout choice for individuals who want rewards tailored to their lifestyle.
For anyone seeking a user-friendly and adaptive rewards card, the Citi Custom Cash℠ Card is a top contender.
