Citi Custom Cash Credit Card

The Citi Custom Cash credit card might be exactly what you need to improve your financial life. It’s innovative and offers 5% cashback in the spending category you use the most each billing cycle, with no annual fee.

It’s a smart way to get more value from your money without worrying about selecting bonus categories. With this card, your rewards automatically adjust to your expenses.

Want to know more about this standout credit card in the market? Then continue reading to learn in detail about the offered benefits, fees, how to apply, and much more!

About the Issuer

Citi, or Citibank, is one of the largest financial institutions in the world, known for its long history and solid reputation. Founded in 1812, Citi offers a wide range of financial services, including credit cards, checking and savings accounts, loans, and investments.

The company is recognized for its commitment to innovation and customer satisfaction. Citi credit cards are renowned for their generous rewards and exclusive benefits.

The Citi Custom Cash is no exception, offering a personalized cashback structure that adapts to your spending pattern. Additionally, Citi is known for its excellent customer service, ensuring reliable support when you need it most.

Benefits

5% Personalized Cashback: Earn 5% cashback in the category you spend the most each billing cycle, up to the first $500 spent. Eligible categories include restaurants, supermarkets, gas stations, and more.

Welcome Bonus: Receive $200 cashback after spending $1,500 in the first six months of account opening. This bonus is credited as 20,000 ThankYou® points, which can be redeemed for cashback, travel, and more.

0% Introductory APR: Enjoy a 0% APR on purchases and balance transfers for the first 15 months.

No Annual Fee: Enjoy all these advantages without paying any annual fee, making the Citi Custom Cash an economical option to maximize your rewards.

Travel Offers: Earn an additional 4% cashback on hotels, car rentals, and attractions booked through the Citi Travel portal.

Citi Custom Cash Credit Card – Fees and commissions

The Citi Custom Cash credit card is known for its competitive fees and transparency regarding commissions. This card has no annual fee, which is already a significant advantage compared to many other rewards cards. However, it’s important to be aware of other associated fees.

The annual percentage rate (APR) for purchases may vary depending on your credit score and other financial factors. Typically, this rate ranges from 13.99% to 23.99%. Additionally, the card charges a balance transfer fee, which is usually 5% of the transferred amount or $5, whichever is greater.

For cash advances, the fee is 5% of the advance amount or $10, whichever is greater. There’s also a fee for international transactions, which is 3% of the transaction amount. These costs can add up, so it’s important to use the card strategically to avoid additional charges.

Remember that fees can change without notice, so it’s always good to check the current terms on the Citibank website before making a decision.

Card limit

The credit limit of the Citi Custom Cash is determined based on various factors, including your credit score, credit history, income, and other important financial aspects analyzed by the bank.

Citibank regularly reviews credit limits and may offer automatic limit increases based on your responsible card usage and other positive financial indicators.

If you need a credit limit increase, you can request a review, but it’s important to be aware that this may result in an additional credit check.

How to apply for Citi Custom Cash

1. Visit the official Citibank website;
2. Click on the credit cards section and select the Citi Custom Cash;
3. Click on “Apply now“;
4. Fill out the online application form with your personal and financial information;
5. Review and submit the application after carefully reading the terms;
6. Wait for approval, which may take a few days.

How to contact Citi Bank

To receive assistance from Citibank and address your questions about this excellent credit card, simply contact the institution through the channels below:

• Phone: 1 800 950 5114;
• In-person: Visit the nearest Citibank branch.

The Citi Custom Cash is an excellent option for those seeking a credit card that offers flexibility, security, and attractive rewards. If you value personalized benefits and want to maximize your daily purchases, this card may be the perfect choice for your financial needs!