In the world of credit cards, finding one that suits your unique spending habits can be a game-changer. The Citi Custom Cash® Card stands out with its dynamic cash back program that adjusts to your spending patterns.

This card allows users to earn generous rewards without the hassle of rotating categories, making it a popular choice for many. With no annual fee and a range of benefits, it aims to offer both convenience and value to its cardholders. But what truly sets the Citi Custom Cash® Card apart? It’s not just about earning points; it’s about creating a financial tool that aligns with your lifestyle.

Whether you’re a frequent traveler, a dining enthusiast, or someone who values cashback on everyday purchases, this card has something to offer. Let’s dive into the main features that make this card a compelling option for anyone looking to enhance their financial journey.

Key information about the Credit Card

How does the annual fee work?

One of the most attractive aspects of the Citi Custom Cash® Card is its no annual fee policy. This means you can enjoy all the benefits without the burden of a yearly charge, making it a cost-effective option for cardholders. It’s important to highlight how this feature provides flexibility and allows you to maximize your rewards without worrying about additional expenses.

How is the credit limit determined?

Determining the credit limit for your Citi Custom Cash® Card involves several factors, much like conventional credit cards. The issuer typically considers your credit history, income, and creditworthiness when setting this limit. If you’re using a prepaid version, you have the autonomy to decide your limit by the amount you deposit, giving you greater control over your spending.

Advantages of the Credit Card

When considering the Citi Custom Cash® Card, it’s essential to understand its benefits fully. Here’s a quick overview of what this card has to offer:

• Flexible cash back rewards: Earn 5% cash back on your top eligible spending category up to $500 each billing cycle, making it easier to benefit from your everyday purchases.
• Unlimited 1% cash back: For all other purchases, you receive 1% cash back, ensuring that every transaction earns you rewards.
• Special travel offer: Enjoy an additional 4% cash back on hotels and car rentals booked through the Citi Travel℠ portal until June 30, 2026.
• Low introductory APR: Benefit from a 0% introductory APR on purchases and balance transfers for the first 15 months, providing a cushion for managing your finances.
• No foreign transaction fees: Ideal for travelers, the absence of foreign transaction fees makes this card a great companion for international adventures.

Highlighted advantage: Cash Back Program

The cash back program is a standout feature of the Citi Custom Cash® Card. Unlike many credit cards that require you to keep track of rotating categories, this card automatically adjusts based on your spending.

This means that each billing cycle, you earn 5% cash back in your highest spending category without having to enroll or keep track of your purchases. This level of convenience is perfect for those with fluctuating spending habits.

Disadvantages

While the Citi Custom Cash® Card has many advantages, it’s also important to consider some drawbacks:

• Limited top eligible categories: The cash back is capped at 5% for only certain categories, which may not align with everyone’s spending habits.
• Balance transfer fees: Although the introductory offer is appealing, the balance transfer fees can add up, as they range from $5 or 5% of the transfer amount, whichever is greater.
• Potential for high APR after the introductory period: After the 15-month introductory period, the variable APR can rise to between 18.74% and 28.74%, depending on creditworthiness.

Highlighted disadvantage: Limited Cash Back Categories

The primary disadvantage of the Citi Custom Cash® Card is its limitation to specific categories for the enhanced cash back. If your spending habits don’t align with the eligible categories—such as restaurants or groceries—you might find yourself earning only the standard 1% on most of your purchases. This could limit the overall value you get from the card.

Who can apply for this card?

To qualify for the Citi Custom Cash® Card, applicants must meet certain criteria:

• Minimum age: You must be at least 18 years old to apply.
• Minimum income: While there is no specific minimum income stated, having a stable source of income will strengthen your application.
• Credit score: A good credit score is generally required for approval.
• Clear credit history: An unblemished credit record increases your chances of approval.
• Not available for individuals with a poor credit history: If you have recent negative marks on your credit report, you might not qualify for this card.

How to apply for the Citi Custom Cash® Card

Applying for the Citi Custom Cash® Card is straightforward, whether you prefer to use a computer, mobile device, or apply in person. Here’s how you can do it:

Applying through the website

To apply online, visit the Citi website. Here, you’ll find a simple application form to fill out. You will need to provide personal information such as your Social Security number, income details, and employment status. Once submitted, you can typically receive a decision within minutes.

Applying via the mobile app

If you prefer the convenience of a mobile app, you can apply through the Citi Mobile® App. Download the app, create an account if you haven’t already, and follow the prompts to apply for the card. The app provides a user-friendly experience and keeps you informed throughout the process.

Applying in-store or at a branch

For those who prefer a face-to-face experience, you can visit a local Citi branch to apply for the card. Bring along necessary documents such as your ID and proof of income. A bank representative will assist you with the application process.

In conclusion, the Citi Custom Cash® Card offers a blend of flexibility, rewards, and no annual fee, making it a noteworthy contender in the credit card market. Whether you’re looking to earn cash back on everyday expenses or plan a special getaway, this card can adapt to your financial needs. Consider your spending habits and evaluate if this card aligns with your goals.