Citi Custom Cash Offers cashback and no anual fee.
The Citi Custom Cash Card is an excellent option for individuals looking for rewards that adapt automatically. Instead of requiring users to activate categories, it identifies the highest spending category each month and applies a five percent cashback.
This system ensures that users get the best possible cashback without manually tracking spending habits. Eligible categories include gas stations, grocery stores, restaurants, select travel, streaming services, and home improvement stores.
Another major advantage is the two-hundred-dollar welcome bonus for new cardholders who spend seven-hundred-fifty dollars in the first three months. This provides an easy opportunity to earn cashback right after approval and activation.
This article will explain how the card works, its benefits, drawbacks, fees, and the application process. These details will help determine if this credit card is a suitable option based on your financial habits and needs.
Citi Custom Cash
Zero annual fee Unlimited 1% cashback on all other purchases.How Does the Citi Custom Cash Card Work?
This Card is unique in how it assigns rewards. Every billing cycle, it automatically identifies the category where you spent the most and provides five percent cashback, up to a limit of five hundred dollars per month.
This means that whether you spend more on groceries, gas, dining, or travel, the card always applies the highest rewards to your largest spending category. Beyond the limit, additional purchases earn one percent cashback.
The cashback is awarded as Citi ThankYou Points, which can be redeemed for statement credits, travel, gift cards, and even direct deposits, making it one of the most flexible rewards programs available for credit card holders.
Additionally, this card features zero percent introductory APR on purchases and balance transfers for fifteen months. After the promotional period, a variable APR applies based on your creditworthiness, making it useful for financing larger purchases.
Main Benefits
- Five percent cashback on the highest spending category per billing cycle, allowing users to maximize rewards effortlessly without activating categories.
- Unlimited one percent cashback on all other purchases, ensuring that every transaction earns rewards even after the five percent category limit is reached.
- Zero annual fee, making it a cost-effective rewards card without the burden of extra yearly charges, maximizing net cashback earnings.
- Zero percent introductory APR on purchases and balance transfers for fifteen months, providing financial flexibility for planned purchases and debt consolidation.
Cons of the Citi Custom Cash Card
Balance transfers incur a five percent fee or five dollars, whichever is greater, increasing the cost for those planning to consolidate debt using this card.
Five percent cashback is capped at five hundred dollars in spending per billing cycle. Limiting the total potential rewards for high spenders.
Only one spending category qualifies for the highest cashback each month, meaning diversified spenders may not maximize rewards across multiple expense types.
Three percent foreign transaction fee applies, making it a less attractive option for international travelers who frequently make purchases in foreign currencies.
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APR and Fees
Understanding the fees and interest rates of this Card is important for financial planning and maximizing benefits while avoiding unnecessary costs.
- Zero percent introductory APR for fifteen months on purchases and balance transfers. Allowing users to manage expenses without interest for a set period.
- After the introductory period, the APR adjusts to a variable rate depending on creditworthiness, which can make carrying a balance more expensive.
- Three percent foreign transaction fee, which may increase costs for users who frequently travel internationally or make purchases in foreign currencies.
- No annual fee, making this card a strong option for cashback enthusiasts looking to maximize rewards without paying yearly charges.
How to Apply for the Citi Custom Cash Card
Applying for this Card is simple and can be done online through the official Citi website. Providing a quick and efficient approval process for eligible applicants.
- Visit the Citi website and navigate to the credit card application page to find the Citi Custom Cash Card and begin the application process.
- Fill out the application form with personal and financial details, including name, income, Social Security number, and address, for a creditworthiness evaluation.
- Submit the form and wait for the approval process, which typically provides instant feedback based on the applicant’s financial history and credit profile.
- If approved, the physical credit card will be mailed within seven to ten business days, and cardholders can activate it immediately for purchases and rewards.
Who Should Apply for the Citi Custom Cash Card?
This Card is ideal for individuals who prefer a simple cashback system that automatically adjusts based on their highest spending category each month. This makes it an effortless way to earn rewards.
It is an excellent option for users who want a no-annual-fee card with flexible redemption options. Allowing them to use Citi ThankYou Points for statement credits, travel, gift cards, and direct deposits.
Additionally, this card benefits those who plan to take advantage of the fifteen-month introductory APR period. As it offers interest-free financing on large purchases and balance transfers for a limited time.
However, frequent travelers may find the three percent foreign transaction fee a drawback. As international purchases can incur additional costs that reduce the value of the cashback rewards.
Final Considerations
This Card offers a dynamic rewards system that adjusts to your spending, ensuring you earn the highest cashback where you spend the most. This feature makes it a valuable option for everyday use.
While the foreign transaction fees and spending caps may limit its benefits for some users. The flexibility of its rewards program and no annual fee make it a compelling choice for many credit card holders.
Before applying, consider whether this card’s features align with your financial habits and spending patterns. Ensuring that it provides the maximum possible value for your everyday expenses.
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