The Citi Custom Cash® card offers a versatile and rewarding experience for cardholders, tailored to maximize cash back where your spending trends each month. With a competitive rewards program, a special travel offer, and no annual fee, the card is designed to adapt to your spending habits effortlessly.

In this article, we’ll dive into the essential features, benefits, and potential drawbacks of the Citi Custom Cash® card, providing a comprehensive overview to help you decide if this card fits your needs. Continue reading our text for more information.

Key information about the Citi Custom Cash card

The Citi Custom Cash® card stands out in the crowded field of credit cards by offering a unique approach to cash back rewards. Each billing cycle, you earn 5% cash back on your top eligible spending category up to $500, and 1% cash back on all other purchases.

Additionally, there’s a special travel offer providing an extra 4% cash back on hotels, car rentals, and attractions booked through the Citi Travel℠ portal until June 30, 2025. New cardholders can also take advantage of a welcome offer: $200 cash back after spending $1,500 within the first six months of account opening.

How does the annual fee work?

One of the most attractive features of the Citi Custom Cash® card is that it has no annual fee. This means you can enjoy the benefits and rewards without worrying about a yearly cost. For those who are fee-conscious, this makes the card an appealing option, especially when compared to other cash back cards that often come with an annual fee.

How is the credit limit determined?

The credit limit for the Citi Custom Cash® card is determined by Citibank based on several factors, including your creditworthiness, income, and credit history. This is typical for conventional credit cards, where the bank assesses your financial profile to set an appropriate limit.

Unlike prepaid cards, where the limit is determined by the amount you load onto the card, the Citi Custom Cash® card’s limit is set by the issuing bank and can be adjusted over time based on your usage and payment history.

Credit card benefits 

• No annual fee: Enjoy the benefits and rewards without an annual cost.
• 5% Cash Back: Earn 5% cash back on your top eligible spend category each billing cycle up to $500.
• 1% Cash Back: Get 1% cash back on all other purchases.
• Special travel offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked through the Citi Travel℠ portal until June 30, 2025.
• Welcome offer: Earn $200 cash back after spending $1,500 in the first six months.
• 0% Intro APR: Benefit from a 0% introductory APR on purchases and balance transfers for 15 months, followed by a variable APR of 19.24% to 29.24% based on your creditworthiness.

Cash Back flexibility

The standout feature of the Citi Custom Cash® card is its flexibility in earning cash back. Unlike other cards that require you to enroll in rotating categories or adhere to fixed categories, this card automatically adjusts to your spending patterns. Each billing cycle, you’ll earn 5% cash back on your highest spending category up to $500, whether it’s dining, groceries, gas, travel, or another eligible category.

Disadvantages

• Foreign transaction fee: A 3% fee applies to purchases made outside the U.S.
• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
• High variable APR: After the introductory period, the variable APR ranges from 19.24% to 29.24%, which can be high for some cardholders.

Foreign transaction fees

The primary drawback of the Citi Custom Cash® card is the foreign transaction fee. At 3% of each purchase made outside the United States, these fees can add up quickly for frequent international travelers. This makes the card less attractive for those who often travel abroad and could benefit from a card with no foreign transaction fees.

Who can apply for this card?

To apply for the Citi Custom Cash® card, you must meet several requirements. Applicants need to be at least 18 years old and have a valid Social Security number. Citibank will assess your creditworthiness, so having a good to excellent credit score increases your chances of approval.

How to apply for the Citi Custom Cash card

Via WebSite

Applying for the Citi Custom Cash® card online is a straightforward process that can be completed in a few simple steps. First, visit the official Citi website. Navigate to the Citi Custom Cash® card page, which you can find by either searching directly on the Citi website or using a search engine to locate the specific card page.

Once on the card page, click on the “Apply Now” button to start your application. You will be directed to an application form where you need to provide your personal information. This includes your full name, address, Social Security number, and date of birth. Ensure that all the details are accurate to avoid any delays in the application process.

Next, you will be asked to provide your employment and financial information. This includes your employment status, annual income, and monthly housing payment. This information helps Citi determine your creditworthiness and set an appropriate credit limit for your card. After filling out all the required fields, review the terms and conditions of the card.

Finally, submit your application. In most cases, you will receive an instant decision. If additional information is required, Citibank will contact you. If approved, you will receive your new Citi Custom Cash® card in the mail within a few business days.

In-Branch

If you prefer to apply in person, you can visit a Citi branch to apply for the Citi Custom Cash® card. Start by finding a nearby Citi branch. You can use the branch locator tool on the Citi website to find the most convenient location for you.

When you arrive at the branch, inform a representative that you would like to apply for the Citi Custom Cash® card. They will guide you through the application process. Be sure to bring necessary identification documents, such as a valid driver’s license, passport, or Social Security card, as well as proof of income, such as recent pay stubs or a W-2 form.

The branch representative will help you fill out the application form, similar to the online process. They will enter your personal, employment, and financial information into the system. You will also review and agree to the card’s terms and conditions. The representative will then submit your application on your behalf.

In some cases, you may receive an immediate decision, while other applications might require additional review. If your application is approved, you will receive your Citi Custom Cash® card in the mail. The branch representative can also provide you with temporary account details if you need to use your credit immediately.

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