By longboxian
Welcome Bonus
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Receive a $200 cash back bonus after spending $1,500 on purchases within the first 6 months of account opening. Bonus is awarded as 20,000 ThankYou® Points, redeemable for $200 cash back.
The Citi Custom Cash® Card is a versatile and customizable rewards credit card designed to adapt to your spending habits. With the Citi Custom Cash, and its automatic adjustments to your top spending category and no annual fee, it offers flexibility and value for everyday purchases.
Key Features
Dynamic 5% Cash Back
- Earn 5% cash back in your top eligible spending category each billing cycle, up to $500 spent. Eligible categories include:
- Restaurants
- Grocery Stores
- Gas Stations
- Select Travel & Transit
- Drugstores
- Home Improvement Stores
- Fitness Clubs
- Live Entertainment
- Streaming Services
- Unlimited 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 through June 30, 2026.
Additional Benefits
0% Intro APR
- 0% APR for 15 months on purchases and balance transfers.
- After the intro period, variable APR ranges from 18.49% to 28.49% based on creditworthiness.
- Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater.
Flexible Rewards Redemption
- Redeem ThankYou® Points for:
- Cash back (statement credit, check, or direct deposit)
- Gift cards
- Travel
- Shopping with Points on Amazon and PayPal
No Hassle Cash Back
- No need to enroll in categories or track spending manually. The card automatically adjusts to your highest spending category each billing cycle, ensuring you maximize rewards without extra effort.
Built-In Protections
Shopping and Security Features
- $0 Liability on Unauthorized Charges: Stay protected from fraudulent purchases.
- Extended Warranty: Extend the manufacturer’s warranty on eligible purchases.
- Digital Wallet Ready: Pay securely using Apple Pay, Google Pay, or other digital wallets.
Travel Benefits
- Travel Protection: Includes trip cancellation and interruption protection, car rental insurance, and more.
- Global Access: Use your card worldwide with a 3% foreign transaction fee on purchases.
Who Should Get This Card?
The Citi Custom Cash® Card is ideal for:
- Everyday Spenders: Optimize rewards for your changing needs with automatic category adjustments.
- Frequent Travelers: Earn additional rewards through the Citi Travel℠ portal.
- Budget-Conscious Individuals: No annual fee and an intro APR make it a low-risk, high-reward choice.
- Reward Maximizers: Flexible redemption options and automatic adjustments ensure you’re always earning efficiently.
How It Compares
| Feature | Citi Custom Cash® Card | Chase Freedom Flex℠ | Discover it® Cash Back |
|---|---|---|---|
| Cash Back | 5% on top category, 1% on all other purchases | 5% in rotating categories, 1% on all else | 5% in rotating categories, 1% on all else |
| Welcome Bonus | $200 after $1,500 spend | $200 after $500 spend | Dollar-for-dollar match on first-year cash back |
| Annual Fee | $0 | $0 | $0 |
| Intro APR | 0% for 15 months | 0% for 15 months | 0% for 15 months |
Pros and Cons
Pros
- Customizable cash back aligns with your spending habits.
- Generous intro APR and welcome bonus.
- Flexible redemption options.
Cons
- 5% cash back capped at $500 per billing cycle.
- 3% foreign transaction fee makes it less ideal for international travel.
Final Thoughts
The Citi Custom Cash® Card is a unique and powerful rewards card that adapts to your lifestyle. Whether you spend heavily on dining, travel, or everyday essentials, it ensures you maximize your rewards without manual effort. With no annual fee, a solid intro APR, and a lucrative welcome bonus, this card delivers exceptional value for everyday and occasional spenders alike.
Apply today and start earning personalized cash back effortlessly!
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