Welcome to the definitive guide to the Citi Custom Cash® Card! In this comprehensive article, we’ll delve into every aspect of this credit card, from its exciting rewards program to the numerous benefits it offers.
Whether you’re an experienced credit card user or you’re exploring options for your first card, the Citi Custom Cash® Card could be right for you.
Features of the Citi Custom Cash® Card
This credit card option not only offers the advantage of no annual fees but also boasts an impressive 4.6-star rating, backed by a substantial 585 reviews. Moreover, the allure extends with a lucrative $200 cash back incentive following qualifying purchases.
The card sweetens the deal with a low introductory APR, all while maintaining its commitment to maintaining a fee-free annual structure. A notable feature is the opportunity to earn 5% cash back on eligible major spending categories, amplifying the rewards for specific expenditures.
For all other purchases, a consistent 1% cashback further enhances the appeal. Additionally, the card distinguishes itself by ensuring a swift response time, providing applicants with an answer in less than a minute, thus combining efficiency and financial benefits in one comprehensive package.
Cash back rewards and program details
Featuring a user-friendly automatic rewards adjustment mechanism, this credit card goes beyond the conventional to provide a seamless experience based on your spending patterns. Enjoy a substantial 5% cash back on the highest eligible spending category, extending up to $500 spent in that category.
The inclusivity of 1% cashback on all other purchases adds a consistent layer of rewards. The eligible spending categories cover a diverse spectrum, encompassing restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
This credit card not only maximizes rewards but also ensures versatility by catering to an extensive range of everyday expenses, making it a well-rounded choice for those seeking comprehensive benefits tailored to diverse spending habits.
Special offer
Secure a rewarding financial start with this credit card, offering an enticing $200 cash back upon spending $1,500 on purchases within the initial 6 months. What makes this offer even more appealing is the absence of an annual fee, providing you with financial advantages without incurring additional costs.
Further fortifying your financial security, the card ensures $0 liability on unauthorized charges, adding an extra layer of protection to your transactions. Additionally, the credit card extends a low introductory APR on both purchases and balance transfers, granting you the flexibility and convenience to manage your finances effectively.
With these compelling features, this credit card not only puts cash back in your pocket but also prioritizes your financial well-being through its fee-free structure and protective measures against unauthorized charges.
How the Citi Custom Cash® Card works
Maximize your financial gains by utilizing this credit card for all your purchases. Revel in the benefits of earning a generous 5% cashback on the highest eligible spending category, applicable to the first $500 spent.
The rewards don’t stop there – enjoy unlimited 1% cashback on all other purchases, ensuring a steady stream of cashback on various expenditures. What sets this card apart is the innovative integration of ThankYou points, allowing you to convert your cashback earnings into versatile redemption options.
Exchange your points for cash back, apply them as a statement credit, opt for direct deposit, receive a check, indulge in gift cards, plan your next travel adventure, or even shop with points at the popular Amazon.com.
This credit card not only rewards your spending but also empowers you with diverse options to make the most of your accumulated cashback.
Additional benefits
Experience the trifecta of convenience, protection, and support with this credit card. Elevating your financial management, the card offers automatic account alerts, ensuring you stay informed about your transactions effortlessly.
Embrace the future of seamless transactions with contactless payment using the chip card, providing a swift and secure way to make purchases. Navigate the digital landscape confidently with the integration of digital wallets, offering a secure avenue for both online and in-store transactions.
Amplifying your banking experience, the Citi Mobile® app allows you to bank anywhere, providing flexibility and accessibility at your fingertips. Personalize your financial routine by choosing your payment due date, giving you the autonomy to align it with your unique financial schedule.
This credit card not only embodies convenience but also stands as a testament to the commitment of providing comprehensive support and protection for your financial endeavors.
How to apply
- Apply by phone: 1-800-362-0526
- TTY: Use 711 or other relay service
- You can also apply for your credit card through the Citi website
