The Citi Custom Cash® Card offers a unique approach to cashback rewards with no rotating categories. Earn up to 5% cash back on your top eligible spend category each billing cycle and enjoy a special travel offer. Learn about its advantages, disadvantages, and how to apply.

Advantages of the Citi Custom Cash® Card

– Earn $200 Cash Back: Receive $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

– Up to 5% Cash Back: Earn 5% cash back on your top eligible spend category each billing cycle, up to $500 spent, and 1% cash back thereafter.

– Special Travel Offer: Get an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

– No Annual Fee: Enjoy the benefits without worrying about an annual fee.

– $0 Liability on Unauthorized Charges: Stay protected against unauthorized transactions.

– Low Intro APR: Benefit from 0% Intro APR for 15 months on purchases and balance transfers.

– Flexible Redemption Options: Redeem your ThankYou® Points for cash back, statement credits, direct deposits, or other options like gift cards and travel.

– Automatic Account Alerts: Stay updated with balance levels, payments due, or credit limit exceedances.

– Contactless Payment: Shop safely with a contactless-chip enabled card.

– Digital Wallets: Speed through checkout with digital wallets, ensuring secure transactions.

Disadvantages of the Citi Custom Cash® Card

– Limited Eligible Categories: While the card offers up to 5% cash back, it limits the eligible spend categories.

– Balance Transfer Fee: A fee of either $5 or 5% of the amount of each credit card balance transfer applies.

– High Variable APR: After the introductory period, the variable APR ranges from 19.24% – 29.24%.

Extra features offered by Citi Custom Cash® Card

– Tap Your Card with Contactless Pay: Enjoy the convenience of contactless payments.

– Bank Anywhere with the Citi Mobile® App: Manage your account on-the-go with the Citi Mobile® App.

– Choose Your Payment Due Date: Opt for a payment due date that suits your financial schedule.

Learn how to apply for your Citi Custom Cash® Card

To apply for the Citi Custom Cash® Card, meet the credit qualification criteria, including income and debt review.

Discover the main ways to apply for the card Citi Custom Cash® Card

Prerequisites for request

Meet credit qualification criteria, including income and debt review.

From the site

Apply online by visiting the Citi website and filling out the application form.

From the site App

Download the Citi mobile app and follow the on-screen instructions to apply.

By agency

Visit your nearest Citi branch and speak with a representative to complete the application process.

The Citi Custom Cash® Card offers a flexible and rewarding cashback experience with its unique approach to earning. While it has some limitations, such as specific eligible categories and balance transfer fees, its advantages like the special travel offer, no annual fee, and low introductory APR make it a compelling choice for those seeking versatile cashback rewards. Applying is straightforward, with multiple methods available to suit your preference. Overall, it’s a solid option for maximizing your cashback potential.