The Citi Custom Cash credit card is designed to automatically maximize your cashback rewards. From the moment you start using this card, it identifies your top spending categories and offers up to 5% cash back.
If you want a flexible and hassle-free card for everyday use, this could be an excellent choice. In addition to all the advantages, it also offers various insurance options to further enhance your financial experience.
With a combination of simplicity and efficiency, this payment method stands out among other cards that offer rewards. Keep reading to discover how this card can optimize your finances and make it easier to earn benefits.
About the Issuer
The Citi Custom Cash is issued by Citibank, one of the most well-known and trusted financial institutions in the world. Founded in 1812, Citibank has a long history of innovation and excellence in the banking sector.
Over the years, the institution has established itself as a global leader, serving millions of customers in over 160 countries.
In addition to its vast experience, Citibank is recognized for offering a wide range of financial products, including credit cards that cater to the needs of different consumer profiles. The Citi Custom Cash is a clear example of this adaptability, combining technology and attractive benefits.
Benefits
Personalized Cash Back: The main highlight of the Citi Custom Cash is the offer of 5% cash back on up to $500 in purchases in the category where you spend the most each billing cycle. Categories include groceries, restaurants, gas stations, pharmacies, streaming services, and more. After reaching the $500 limit, additional purchases in the selected category earn 1% cash back, as do all other purchases outside this category.
Automatic Flexibility: The Citi Custom Cash credit card stands out by offering automatic flexibility, meaning you don’t have to manually choose bonus categories. The card automatically identifies where you spent the most and applies the 5% bonus, making it easier to use and maximizing your rewards without continuous management.
Introductory Offer with 0% APR: For new purchases and balance transfers, the card offers a 0% interest rate for 15 months. This is ideal for those looking to make a large purchase or consolidate debt without worrying about immediate interest.Â
No Annual Fee: Another significant benefit of the Citi Custom Cash is the absence of an annual fee, allowing you to enjoy all the card’s advantages without worrying about yearly costs. This is an important advantage, especially for those focused on saving and maximizing their rewards.
Purchase Protection: The Citi Custom Cash offers purchase protection, meaning items purchased with the card may be covered against damage or theft for up to 120 days (90 days for New York residents). This additional benefit provides security when making purchases with the card.
Access to Exclusive Offers: Citi Custom Cash cardholders can access exclusive offers, such as discounts and promotions on travel and entertainment purchases booked through Citi. This includes 9% cash back on hotels, car rentals, and attractions until 2025, a significant advantage for frequent travelers.
Citi Custom Cash Credit Card – Fees and commissions
The Citi Custom Cash does not charge an annual fee, but it is important to be aware of the interest rates associated with credit use. The card offers a 0% APR for purchases and balance transfers in the first 15 months, after which the variable rate may range from 19.24% to 29.24%, depending on the cardholder’s credit.
It’s important to note that fees may change at the discretion of Citibank. Therefore, it is recommended to check the current card terms on the issuer’s official website before applying.
Card limit
The credit limit of the Citi Custom Cash is determined based on various factors, such as your credit score and financial history. On average, initial limits vary, but customers can expect a limit that suits their daily spending needs.
In some cases, the limit may be increased over time with responsible card use.
Positive points
- Flexible Rewards:The automatic adjustment of categories makes using the card extremely convenient.
- No Annual Fee:Enjoy all the benefits without worrying about annual fees.
- Welcome Bonus:Great benefit for new cardholders.
Negative points
- 5% Limit:The $500 limit for 5% cash back may be restrictive for heavy spenders.
- Post-Promotional APR:The variable interest rate can be high after the introductory period.
- Specific Categories:The category selection may not suit all consumer profiles.
How to apply for Citi Custom Cash Credit Card
- Visit the official Citibank website;
- Click on “Apply Now” on the Citi Custom Cash credit card page;
- Fill out the form with your personal and financial information;
- Review the terms and conditions;
- Submit your application;
- Wait for approval and receive the card at your home.
How to contact Citi
If you need to contact Citibank:
- In Person: Visit a Citibank branch;
- Phone: 1 800 950 5114
The Citi Custom Cash credit card is a smart choice for those seeking simplicity and personalized rewards. With a cashback system that adapts to your lifestyle, this card offers significant value without the complexity of other reward programs.
If you’re ready to take advantage of these benefits, apply today and maximize your savings!
