The Citi Custom Cash® Card is a versatile credit card designed to adapt to the unique spending patterns of cardholders. With a streamlined rewards program, this card offers 5% cash back on purchases in the category where you spend the most each billing cycle, providing a tailored approach to maximizing rewards.
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This dynamic feature sets the Citi Custom Cash® Card apart, allowing users to earn substantial cash back in the areas that matter most to them, whether it’s dining, groceries, or entertainment.
Main information about the Citi Custom Cash® Card
The Citi Custom Cash® Card features a variety of highlights that make it appealing to consumers. Some of the key highlights include:
Dynamic 5% Cash Back
The Citi Custom Cash® Card stands out for its innovative rewards program, offering 5% cash back on purchases in the category where the cardholder spends the most each billing cycle.
No Annual Fee
A significant highlight of this credit card is its absence of an annual fee. This makes the Citi Custom Cash® Card an attractive option for those seeking robust rewards without the burden of additional costs.
Flexible Redemption Options
Cardholders have the flexibility to redeem their cash back rewards in various ways, including statement credits, gift cards, and more.
Streamlined and User-Friendly Structure
The credit card is designed with simplicity in mind, providing a user-friendly experience for cardholders.
Introductory APR Offer
The Citi Custom Cash® Card often features an introductory APR offer, providing cardholders with a period of reduced interest rates.
Requirements for obtaining the Citi Custom Cash® Card
The Citi Custom Cash® Card is well-suited for:
Fit for Your Lifestyle If:
- Everyday Spenders
Individuals who make regular purchases across various categories can benefit from the Citi Custom Cash® Card’s dynamic 5% cash back feature, allowing them to earn substantial rewards in the areas where they spend the most.
- Cost-Conscious Consumers
The absence of an annual fee makes this credit card an appealing choice for those who want to maximize rewards without incurring additional costs.
- Users Seeking Flexibility
The flexible redemption options provided by the Citi Custom Cash® Card cater to users who value versatility in how they utilize their cash back rewards.
- Tech-Savvy Individuals
With contactless payment technology, the card is ideal for individuals who prefer modern and convenient payment methods.
Not Your Ideal Match If:
The Citi Custom Cash® Card may not be the best fit for:
- Specialized Category Spenders
Individuals who consistently spend a significant amount in specific categories, such as travel or gas, may find other credit cards with fixed-category rewards more beneficial.
- Frequent Travelers
If someone frequently travels, especially internationally, they might prefer a credit card with travel-specific perks, such as airline miles, travel insurance, or no foreign transaction fees.
How to apply
To apply for the Citi Custom Cash® Card, follow these step-by-step instructions:
- Visit the Citi Credit Cards Website: Go to the official Citi credit cards website using your web browser.
- Navigate to the Citi Custom Cash® Card Section: Locate and select the section dedicated to the Citi Custom Cash® Card. This information is typically found under the “Credit Cards” or “Rewards” section.
- Click on “Apply Now” or Similar: Look for the “Apply Now” button or a similar option to initiate the application process.
- Fill Out the Application Form: Complete the online application form by providing your personal information. This includes your full name, contact details, date of birth, Social Security number, and employment information.
- Enter Financial Details: Input details about your income, housing situation, and any existing financial obligations. This information helps Citi assess your creditworthiness.
- Customize Your Cash Back Preferences: During the application, you may be prompted to choose your preferred spending category to earn 5% cash back. This customization feature is a key aspect of the Citi Custom Cash® Card.
- Submit Your Application: Once you’ve filled out all required information and reviewed the terms, submit your application. You may receive an instant decision, or Citi may need additional time to review your application.
- Activate Your Credit Card: Upon receiving your credit card, follow the instructions provided to activate it. Activation may involve calling a specified phone number or activating it through Citi’s online portal.
- Start Using Your Credit Card: Once activated, you can start using your Citi Custom Cash® Card to make purchases and take advantage of the dynamic 5% cash back rewards in your chosen category.
