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Citi Custom Cash credit card offers convenience, security and financial versatility for users.
The Citi Custom Cash℠ Card is a revolutionary cashback card that adapts to your spending patterns. Designed for flexibility and personalization, it ensures that your rewards always align with your financial habits.
Citi Custom Cash
0% introductory APR RewardsHow Does the Citi Custom Cash℠ Card Work?
The Citi Custom Cash℠ Card automatically identifies your top eligible spending category each billing cycle and applies 5% cashback on up to $500 in spending in that category. This means you don’t need to worry about activating categories or monitoring your spending—your card does the work for you.
Eligible categories include dining, groceries, travel, gas, and streaming services, among others. All other purchases earn 1% cashback, ensuring consistent rewards across all transactions. Cashback rewards are issued as Citi ThankYou® Points, which can be redeemed for cash, travel, gift cards, or other rewards.
New cardholders can take advantage of a $200 welcome bonus after spending $1,500 within the first three months. Additionally, the 0% introductory APR for 15 months on purchases and balance transfers adds flexibility for managing new expenses or consolidating debt.
Main Benefits for the Citi Custom Cash℠ Card
The Citi Custom Cash℠ Card excels in its ability to adapt to your spending. Its automatic rewards adjustment ensures that you always earn the highest possible cashback in your top category, making it ideal for individuals with diverse or fluctuating spending habits.
The welcome bonus and introductory APR offer significant upfront value, while the absence of an annual fee enhances the card’s affordability. The integration with Citi’s ThankYou® Points system adds versatility to your rewards, allowing you to redeem them in a way that best suits your financial needs.
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Cons for the Citi Custom Cash℠ Card
While the card offers tailored rewards, the 5% cashback cap of $500 per billing cycle may limit its earning potential for high spenders. Additionally, the requirement for good to excellent credit may exclude some applicants.
Despite these limitations, the Citi Custom Cash℠ Card remains a strong choice for individuals seeking a dynamic and user-friendly rewards system.
Welcome Bonus and Introductory APR
New cardholders can enjoy a $200 welcome bonus after spending $1,500 within the first three months of account opening. Additionally, the card offers a 0% introductory APR for 15 months on purchases and balance transfers, making it a practical choice for managing larger expenses or consolidating debt.
Practical Features for Everyday Use
The Citi Custom Cash Card integrates seamlessly with the Citi mobile app, allowing you to monitor your spending, track rewards, and manage your account. Security features like fraud alerts and zero liability for unauthorized charges provide peace of mind, ensuring that your transactions are protected at all times.
How to Apply for the Citi Custom Cash℠ Card
To apply for the Citi Custom Cash℠ Card, visit Citi’s official website and navigate to the Custom Cash Card application page. Fill out the application form with your personal details, including name, address, Social Security number, and income information.
Carefully review the terms and conditions, focusing on the rewards structure, fees, and introductory offers. Submit your application for review. Most applicants receive a decision within minutes. Once approved, activate your card and start earning personalized rewards on every purchase.
Why You Should Choose This Card
The Citi Custom Cash℠ Card is an excellent option for individuals who value flexibility and tailored rewards. Its dynamic cashback system, generous welcome bonus, and lack of an annual fee make it a versatile and practical choice for everyday use.
