Earn $200 in cash back after you spend $750 on purchases in the first 3 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 16.24% - 26.24%, 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℠ Card account per person.
August 2, 2022
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The Citi Custom Cash card is a cash back card for consumers with good to excellent credit.
You earn 5% cash back in your top eligible spending category, up to the first $500 spent in each billing cycle, 1% cash back thereafter. On all other eligible purchases, you get an unlimited 1% cash back. This high cash back rate is ideal for people who want lucrative rewards for everyday purchases like groceries or gas.
The custom cash card is also great for existing Citi card holders as the cash back is accumulated in the form of Citi ThankYou® points. So if you already hold a Citi travel rewards card (like the Citi Prestige® card or Citi Premier® card), you can combine its points with your Custom Cash card points. This also works if you hold the Citi® Double Cash Card.
To qualify for this card you need to have a credit score ranging between 670-850. This is a relatively high credit score requirement as this is a feature-loaded offering from Citi intended for consumers with good credit.
The Citi Custom Cash card has no annual fee. However, there are some transaction fees, including:
Now let’s go over the card’s APR to get an idea of the interest you’ll have to pay.
The Citi Custom Cash card offers a 0% introductory APR for 15 months on purchases and balance transfers.
What's an introductory APR?
Credit card companies offer a promotional interest rate to a new customer for a set period for opening a credit card account.
After the 15-month introductory period, a 16.24% - 26.24% (Variable) APR applies to both, purchases and balance transfers. Additionally, this Citi card has a 27.49% variable APR for every cash advance.
With all the APR information in your mind, let’s move on to the Citi card rewards program.
The Citi Custom Cash Card rewards program is convenient because it earns you cash back from everyday purchases.
You’ll get 5% cash back for every purchase in your highest spending category and 1% cash back for other eligible purchases during each billing cycle.
Note: The 5% cash back applies till you hit the $500 spending cap.
After that, the cash back rate for that top category drops to 1%, and for other eligible purchases, you continue to receive 1% cash back.
The main benefit here is that the Citi card rewards program doesn’t encourage altering your spending habits to qualify for reward points. Instead, the card automatically adjusts to your spending behavior, unlike a card that only offers reward points for dining or traveling.
For example, let’s say you spend the most on restaurant bills in one billing cycle but end up splurging in warehouse clubs the next billing cycle. In that case, your category for the 5% cash back will automatically change from restaurants to warehouse clubs.
How do you redeem your cash back?
Cardholders can redeem their Citi ThankYou points as a direct deposit, statement credit, or check. They can also opt for the gift card redemption option.
How much is each Citi ThankYou point worth?
According to our estimates, 1 Citi ThankYou point has an average worth of 0.8 cents. However, this varies depending on the redemption option you choose. A gift card may get you 1 cent per reward point, whereas a statement credit or cash back may get you 0.5 cents.
You should know that cash back isn’t the only benefit this Citi Custom card has to offer.
The Citi Custom Cash card comes with certain benefits to help and protect its customers.
Here are some of them:
Here are some notable characteristics of this credit card you should consider before applying
If you’re looking for more Citi credit card options or cards by other credit card companies, here are some solid alternatives:
If you're on the lookout for a great cash back card, the Citi Custom Cash card is a great option. It offers 5% cash back on your top-spending bonus category, automatically adjusting it in every billing cycle depending on your everyday purchases. And to top it off, the card has no annual fee while offering a 15 month long 0% introductory APR on balance transfers and purchases.
You can apply for the Citi Custom Cash here.