Welcome to your ultimate guide to custom cash—a revolutionary way to personalize your spending experience! In an age where individuality reigns supreme, custom cash offers consumers the chance to tailor their currency, enhancing both style and functionality. Whether you’re looking to make a statement or simplify your transactions, this guide will unveil the best options and tips for embracing this trendy financial innovation.
Citi Custom Cash® Card Shopping Guide
The Citi Custom Cash® Card is a no-annual-fee credit card designed to provide a flexible rewards structure that can adapt to your spending habits. It offers a unique approach by automatically granting 5% cash back on your top eligible spending category each billing cycle, up to a limit, along with a generous welcome bonus. This guide aims to help you understand the card’s features, benefits, and how to make the most of it, ensuring you choose the right credit card for your needs.
| Feature | Citi Custom Cash® Card |
|---|---|
| Annual Fee | $0 |
| Cash Back Rate | 5% on top eligible category (up to $500), 1% thereafter |
| Welcome Bonus | $200 after spending $1,500 in the first 6 months |
| Introductory APR | 0% for 15 months on purchases and balance transfers |
| Regular APR | 18.24% – 28.24% (Variable) |
| Eligible Categories | Gas stations, restaurants, grocery stores, travel, streaming, etc. |
| Foreign Transaction Fee | 3% |
| Redemption Options | Statement credit, direct deposit, gift cards, travel bookings |
Everyday Usage of the Citi Custom Cash® Card
The Citi Custom Cash® Card stands out for its adaptability to your spending patterns. Each month, it automatically identifies your highest spending category and provides 5% cash back on purchases made in that category. This structure means you don’t have to worry about activating categories or keeping track of bonus periods.
Eligible Spending Categories
The card allows you to earn 5% cash back in various categories, including:
– Gas stations
– Restaurants
– Grocery stores
– Select travel
– Select streaming services
– Drugstores
– Home improvement stores
– Fitness clubs
– Live entertainment
This flexibility makes it a suitable option for everyday expenses, especially for those who tend to spend heavily in one or two categories.
Benefits of the Citi Custom Cash® Card
Flexible Cash Back
- Automatic Category Recognition: The card automatically adjusts to your spending, meaning you earn the maximum rewards without any extra effort.
- High Rewards in Popular Categories: The 5% cash back on your top category is highly competitive and beneficial for frequent spenders in those areas.
Welcome Bonus
- The welcome offer of $200 after spending $1,500 in the first six months is a significant incentive for new cardholders, providing immediate value.
Introductory Offers
- The 0% APR for the first 15 months on purchases and balance transfers allows you to make large purchases or consolidate debt without incurring interest, which is a valuable feature for those looking to manage expenses.
Additional Rewards
- You can earn 4% cash back on hotels, car rentals, and attractions booked through the Citi Travel portal until June 30, 2026, enhancing the card’s value for travelers.
How to Choose the Right Cash Back Card
When selecting a cash back card like the Citi Custom Cash, consider the following factors:
- Spending Habits: Evaluate your monthly spending in various categories. If you regularly spend more than $500 in one category, this card can maximize your rewards.
- Other Cards in Your Wallet: Think about how this card fits into your overall rewards strategy. It pairs well with other Citi cards that earn ThankYou points, enhancing your ability to transfer and redeem points effectively.
- Redemption Preferences: If you prefer straightforward cash back, the Citi Custom Cash provides that. However, if you are more interested in travel rewards, consider how it might work alongside a premium travel card.
User Tips for Maximizing Benefits
- Track Your Spending: Regularly monitor your spending categories through the Citi online interface. This will help you understand which category will yield the most rewards each month.
- Plan Large Purchases: If possible, time significant purchases to align with your top spending category. For instance, if fitness memberships are your highest category, consider paying for a full year in advance.
- Combine with Other Cards: Use the Citi Custom Cash alongside a flat-rate rewards card for purchases that fall outside of its top category. This can help you maximize cash back on all purchases.
- Utilize the Introductory APR: Take advantage of the 0% APR period for larger purchases or to transfer balances from higher-interest cards, but be mindful of the balance transfer fee.
Key Features Comparison Table
| Feature | Citi Custom Cash® Card |
|---|---|
| Annual Fee | $0 |
| Cash Back Rate | 5% in top category, 1% on others |
| Welcome Bonus | $200 after $1,500 in 6 months |
| 0% Intro APR | 15 months on purchases and balance transfers |
| Regular APR | 18.24% – 28.24% (Variable) |
| Foreign Transaction Fee | 3% |
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Conclusion
The Citi Custom Cash® Card is an excellent choice for consumers looking for a no-annual-fee credit card that offers flexible rewards based on spending habits. With its automatic category recognition, generous welcome bonus, and the ability to earn substantial cash back in popular categories, it stands out as a valuable financial tool. By understanding its features and using it strategically, you can maximize your rewards and make the most of your everyday spending.
FAQ
What is the Citi Custom Cash® Card?
The Citi Custom Cash® Card is a no-annual-fee credit card that offers cash back on purchases in your top eligible spending category, automatically adjusted each billing cycle.
How does the cash back work?
You earn 5% cash back on your top spending category (up to $500 spent) each billing cycle and 1% on all other purchases.
What are the eligible spending categories?
Eligible categories include gas stations, restaurants, grocery stores, select travel, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
Is there an annual fee?
No, the Citi Custom Cash® Card has no annual fee.
What is the welcome bonus?
New cardholders can earn a $200 bonus after spending $1,500 in the first six months.
What is the introductory APR?
The card offers a 0% introductory APR for 15 months on purchases and balance transfers.
Can I transfer points to travel partners?
You cannot transfer points directly from the Custom Cash Card, but you can pool them with eligible Citi cards that allow transfers.
What happens if I exceed the $500 limit in my top category?
Once you reach the $500 spending cap, you will earn 1% cash back on any additional purchases in that category for the billing cycle.
Are there foreign transaction fees?
Yes, the card has a 3% foreign transaction fee.
How can I redeem my cash back?
You can redeem cash back as a statement credit, direct deposit, gift cards, or for travel bookings through Citi.
