Unlock the potential of your everyday spending with the Citi Custom Cash Card! This innovative cash-back credit card adapts to your lifestyle, offering 5% cash back on your top eligible spend category each billing cycle. Whether you love dining out, grocery shopping, or fueling up, this card rewards you for what you already do. Discover how the Citi Custom Cash Card can enhance your financial strategy and maximize your rewards!
Citi Custom Cash Card Shopping Guide
The Citi Custom Cash Card is a dynamic credit card option that stands out in the competitive landscape of cash-back rewards cards. Designed for consumers who want flexibility in earning rewards based on their spending habits, this card offers a unique opportunity to maximize cash back in your top spending category each billing cycle. This shopping guide will help you understand the features, benefits, and best practices associated with the Citi Custom Cash Card, making it easier for you to decide if it fits your financial needs.
Comparison Table of Citi Custom Cash Card Features
| Feature | Citi Custom Cash Card | Other Popular Cash Back Cards |
|---|---|---|
| Annual Fee | $0 | Varies (often $0 to $95) |
| Cash Back Rate | 5% on top spending category (up to $500) | Varies (typically 1% to 5%) |
| Additional Cash Back for Travel | 4% on bookings through Citi Travel | Varies (depends on specific offers) |
| Welcome Bonus | $200 after spending $1,500 in first 6 months | Varies (commonly $100-$500) |
| APR | 0% intro for 15 months, then 18.24%-28.24% | Varies (often 0% intro for 12-18 months) |
| Eligible Categories for 5% Cash Back | Gas stations, restaurants, groceries, and more | Varies (often rotating categories) |
| Redemption Options | Cash back, statement credit, gift cards | Varies (cash back, travel, gift cards) |
| Flexibility | Automatic category adjustment | Requires manual category activation |
Key Features of the Citi Custom Cash Card
1. Cash Back Structure
The Citi Custom Cash Card offers a unique cash back system where you earn 5% cash back on your top eligible spending category each billing cycle, up to $500 spent. After reaching this limit, you earn 1% cash back on all other purchases. This card stands out because it automatically identifies your highest spending category, eliminating the need for you to enroll in different categories each quarter.
2. Additional Travel Cash Back
If you book hotels, car rentals, or attractions through the Citi Travel portal, you can earn an additional 4% cash back on those purchases through June 30, 2026. This makes the card particularly appealing for travelers looking to maximize their rewards on travel-related expenses.
3. Welcome Bonus
New cardholders can earn a $200 cash back bonus after spending $1,500 on purchases in the first six months. This welcome offer adds immediate value to the card, making it an attractive option for those looking to earn rewards quickly.
4. No Annual Fee
One of the most appealing features of the Citi Custom Cash Card is that it has no annual fee. This makes it a cost-effective option for anyone looking to earn cash back without incurring extra costs.
Compatibility and Functionality
Compatibility
The Citi Custom Cash Card is a Mastercard, which means it is widely accepted at millions of locations worldwide. You can use this card for everyday purchases, online shopping, and travel expenses, making it a versatile choice for various spending needs.
Functionality
The card’s functionality is straightforward:
– Automatic Cash Back: The card automatically adjusts to maximize your cash back based on your spending habits, making it user-friendly.
– Digital Wallet Integration: It works seamlessly with popular digital wallets like Apple Pay and Google Pay for contactless transactions.
– Real-Time Alerts: You can receive real-time transaction alerts through the Citi mobile app, helping you track your spending and manage your account effectively.
Installation Tips and Maintenance Advice
Installation Tips
- Apply Online: You can easily apply for the Citi Custom Cash Card through the Citi website. Ensure you have your personal information, income details, and Social Security number ready for the application process.
- Set Up Online Banking: Once approved, set up your online banking account to manage your card, track rewards, and make payments conveniently.
- Download the App: Download the Citi mobile app to monitor your spending, receive alerts, and redeem rewards on the go.
Maintenance Advice
- Pay Your Balance: To avoid interest charges, aim to pay off your balance in full each month. This is especially important given the variable APR range.
- Monitor Spending: Regularly check your spending categories through the app to understand where you are earning the most cash back.
- Set Alerts: Set up spending alerts to keep track of your budget and avoid overspending, which can help maintain your credit score.
Practical Tips for Choosing and Using the Citi Custom Cash Card
- Evaluate Your Spending Habits: Consider what categories you spend the most in (e.g., groceries, gas, dining) to maximize your cash back rewards effectively.
- Use the Card for Everyday Purchases: Utilize this card for all your regular expenses to take full advantage of the cash back structure.
- Pair with Other Cards: For optimal cash back, consider pairing the Citi Custom Cash Card with another card that offers a flat cash back rate on all purchases, like the Citi Double Cash Card.
- Stay Informed About Offers: Keep an eye on any promotional offers through Citi Travel to maximize your cash back on travel-related expenses.
Technical Features and Specifications
| Feature | Specification |
|---|---|
| Card Type | Mastercard |
| Annual Fee | $0 |
| Introductory APR | 0% for 15 months |
| Post-Introductory APR | 18.24% – 28.24% |
| Cash Back on Top Category | 5% up to $500 spent each billing cycle |
| Cash Back on Other Purchases | 1% |
| Cash Back for Travel | 4% on bookings through Citi Travel (until 2026) |
| Redemption Options | Cash back, statement credits, gift cards |
| Foreign Transaction Fee | 3% |
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Conclusion
The Citi Custom Cash Card offers a compelling combination of flexibility, cash back rewards, and user-friendly features, making it an excellent choice for consumers looking to maximize their spending potential. With no annual fee, a generous welcome bonus, and an automatic rewards system, this card can fit seamlessly into your financial lifestyle. Whether you’re a casual spender or someone who frequently makes larger purchases, the Citi Custom Cash Card could help you earn significant rewards without the hassle of complicated category management.
FAQ
What is the Citi Custom Cash Card?
The Citi Custom Cash Card is a cash-back credit card that automatically adjusts to earn 5% cash back on your highest eligible spending category each billing cycle, up to $500.
Is there an annual fee for the Citi Custom Cash Card?
No, the Citi Custom Cash Card has no annual fee.
What cash back rates can I expect?
You earn 5% cash back on your top eligible spend category (up to $500) and 1% on all other purchases. Additionally, you can earn 4% cash back on travel bookings made through the Citi Travel portal until June 30, 2026.
How do I earn the welcome bonus?
To earn the welcome bonus of $200, you need to spend $1,500 within the first six months of opening your account.
Can I use the Citi Custom Cash Card internationally?
Yes, the Citi Custom Cash Card can be used internationally, but it incurs a 3% foreign transaction fee on purchases made outside the U.S.
What happens if I exceed the $500 limit for 5% cash back?
Once you hit the $500 limit in your top spending category, any further spending in that category will earn 1% cash back.
How can I redeem my cash back?
You can redeem your cash back for statement credits, direct deposits, or gift cards.
Is there a balance transfer option with this card?
Yes, the Citi Custom Cash Card allows balance transfers with a fee of either $5 or 5% of the transferred amount, whichever is greater.
What is the APR for the Citi Custom Cash Card?
The APR ranges from 18.24% to 28.24% based on your creditworthiness after the introductory period.
Can I manage my account online?
Yes, you can manage your Citi Custom Cash Card account online or through the Citi mobile app for real-time transaction alerts and account management.
