Top Reasons to Get This Card
No Annual Fee
You don’t need to pay any annual fee if you get this high cash back card.
card_name Welcome Offer
bonus_miles_full
Intro APR for 15 Months
If you are looking for a zero percent intro APR card with high rewards – look no further. You will get 0% intro APR for the first 15 months after you get the card.
How does card_name work
In case you wonder how to use Citi Custom Cash® Card, you earn cash back in two ways.
Get 5% cash back on up to $500 spent in the highest spend category every billing cycle. If you are thinking, what are the Citi Custom Cash® Card categories – they include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.
Other than the highest spend category, you also earn 1% back on all other purchases.
Pros and Cons of card_name
Pros
- You can select any of these categories to maximize the cash back. The categories include grocery stores, restaurants, gas stations, streaming services, drugstores, fitness clubs, home improvement stores, live entertainment, and select travel and transit.
Cons
- Rewards are earned in the form of ThankYou Points, and you need to redeem them.
Is This the Right Card for You?
Who doesn’t like the idea of getting 5% cash back in the category you spend the most on (on purchases up to $500)? If you like simple, hassle-free cash cards, then Citi Custom Cash® Card is a great option.
You also earn 1% back every time you swipe the card. For example, if you spent total $1,500 each month with $500 on a reward category such as restaurants or grocery stores or gas, in a year you will earn $500*5%*12 + $1,000*1%*12 = $420 – that’s nice.
What’s most appealing about this card is the automatically adjusted bonus category each month – that makes it stand out compared to other cards such as from Discover with fixed quarterly rotating categories and you need to activate the 5% cash back every quarter – and helps make the process of automatically earning high 5% cash back more smooth.
Though, some people may find it’s not the highest cash back credit card if you spend much more than $500 on one or more categories every month such as groceries or drug stores, as 5% cash back is capped at $500 for just one category – this may not be the case for most people.
Overall, it’s a great choice to earn 5% cash back with no annual fee, rewards that are easy to get. What’s not to like?
FAQs
What is a Citi Custom Cash® Card?
The Citi Custom Cash® Card is a credit card that lets you earn good cashback.
You can earn 5% cash back in the top eligible spend category in each billing cycle.
It also comes with a generous $200 bonus and has no annual fee.
Does Citi Custom Cash® Card have foreign transaction fees?
Yes, the Citi Custom Cash® Card has a foreign transaction fee of 3%
What credit score is needed for a Citi Custom Cash® Card?
You need a credit score of 690 or higher to increase your probability of getting approved for the Citi Custom Cash® Card.
How does the Citi Custom Cash® Card work?
The process of using the Citi Custom Cash® Card is simple. You just need to select a spend category each month and it will allow you to get a 5% cashback in each billing cycle.
The limit is at $500. Then, the cashback lowers to 1%. You also get unlimited cashback on every other purchase made with the Citi Custom Cash Card.
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.
Earn unlimited 1% cash back on all other purchases.
Is Citi Custom Cash® Card good?
Yes, the Citi Custom Cash® Card is good for people seeking higher cashback in some categories.
You can easily change the categories too. It’s simple and straightforward.
Can you have two Citi Custom Cash® Card?
No, Citi allows only one Citi Custom Cash® Card account for each customer.
Does Citi Custom Cash® Card have an annual fee?
The Citi Custom Cash® Card has no annual fee.
Is it hard to get a Citi Custom Cash® Card?
The answer to this depends on your credit score, a stable income, and your debt-to-income ratio.
You need a credit score of more than 700, a good income, and low debt-to-income to boost your chances of approval.
How much does the Citi Custom Cash® Card cost?
As there is no annual fee on the Citi Custom Cash® Card, it costs you nothing!
What is the Citi Custom Cash® Card limit?
The limit of the Citi Custom Cash® Card varies form person to person.
It can range from $500 to $5,000 depending on critical factors like your credit score, income, and debt.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any other entities.
