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Citi Custom Cash is a flexible cash back credit card that allows cardholders to earn up to $500.
In qualifying purchases per month in the category in which they spend the most each billing cycle.
Once the limit is reached, the remaining purchases in this category will accrue 1 cashback and the same percentage will be applied to all other transactions.
This card has no annual fee, which makes it affordable and ideal for consumers looking to make the most of their most common expenses.
In addition, new cardholders can receive a welcome bonus when they reach a minimum purchase amount within the first three months of activation.
Citi Custom Cash is great for targeted cashback, but it doesn’t include additional perks such as travel rewards or access to premium programs, making it a good choice for those who value simplicity and automatic rewards.
Citi Custom Cash
5% cash back No annualHow Citi Custom Cash works?
Citi Custom Cash stands out for offering 5 cashbacks without the need for manual activation in the categories where owners spend the most each month.
The categories include common options such as supermarkets, gas stations, restaurants, streaming services, transportation and travel.%
Earn 1” cash back on all other purchases, except in the highest spending category, ensuring consistent rewards on every transaction.
The cash back you earn is automatically converted into points in the Citi ThankYou Rewards program, which can be redeemed for statement credits, gift cards or even flights or hotel stays.
In addition, Citi Custom Cash offers a welcome bonus for new cardholders who reach a minimum purchase amount in the first three months.
Main benefits of City Custom Cash
The main benefit of Citi Custom Cash is the flexibility of its cashback program.
The 5% benefit on your highest spending category is automatically adjusted each month, so you don’t have to monitor or activate rotating categories as you would with other cards.
This is an ideal service for consumers whose spending changes from month to month.
Another benefit is that there is no annual fee, making the card more affordable and allowing the cardholder to enjoy benefits without fixed costs.
The introductory bonus offered to new users is also attractive, allowing you to earn a lot of money in the first few months of use.
In addition, the Citi Thank You Rewards program allows you to convert your points into a variety of options, including statement credits, purchases and travel, giving you more flexibility in using your cash back.
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Cons of Citi Custom Cash
Citi Custom Cash is a versatile card, it does have some limitations. The most important is the monthly limit of $500 to accumulate 5% cashback, which may not be enough for consumers who spend more in eligible categories.
Once this limit is reached, the cashback for this category drops to 1%.
Another disadvantage is the lack of additional benefits, such as travel insurance, VIP lounge access and purchase protection.
This makes the card less attractive to consumers looking for premium benefits or who travel frequently.
In addition, the rewards program is strongly linked to Citi ThankYou Rewards, which may not be ideal for users who prefer direct cash back rather than cash without intermediate conversions.
APR and fees
Citi Custom Cash offers 0% introductory interest for 15 months on purchases and balance transfers, allowing you to finance purchases or consolidate debts without paying interest in the initial period.
After this period, the APR varies between 19.24% and 9.24% depending on the cardholder’s credit history.
The card has no annual fee, which makes it easy to use. However, balance transfers are subject to a fee of 5% of the amount transferred (minimum US$5).
International transactions may incur additional fees, reducing the benefits of purchases outside the United States.
How to apply for the Citi Custom Cash
To apply for Citi Custom Cash, you need to visit the official Citibank website and fill out the online application form.This process requires basic information such as name, address, annual income and credit history.
Citibank will carry out a credit analysis to determine the applicant’s eligibility.
Once approved, a physical card will be sent to your registered address, while a digital version can be used immediately for online purchases or through digital wallets such as Apple Pay or Google Pay.
The Card is managed via the Citi Mobile app, which offers features such as transaction tracking, checking accumulated cashback balances and financial management tools.
To maximize your benefits, we recommend concentrating your monthly spending on the main categories and taking advantage of the introductory APR period.
