Rewards are earned automatically with the Citi Custom Cash credit card.

Rewards are earned automatically with the Citi Custom Cash credit card.

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Credit cards have become an essential part of our lives, whether we are making online purchases or booking travel tickets. The Citi Custom Cash credit card is one such card that has been making waves in the financial industry. With its unique rewards program, cashback offers, and various other benefits, the Citi Custom Cash credit card is fast becoming a popular choice among credit card users.

Credit cards have become an integral part of our daily lives, offering convenience and security when it comes to making payments. With so many credit card options available in the market, choosing the right one can be a daunting task. One of the popular credit cards that have been making headlines recently is the Citi Custom Cash credit card.

The Citi Custom Cash credit card is a rewards credit card that offers cashback on eligible purchases. It also comes with no annual fee, making it an excellent choice for those looking for a credit card without incurring additional costs.

In this article, we will take a closer look at the Citi Custom Cash credit card and examine its features, benefits, and drawbacks. We will also explore how the rewards program works, how to apply for the card, and who this card is best suited for.

Features of the Citi Custom Cash Credit Card

The Citi Custom Cash credit card comes with a range of features that make it an attractive option for those looking for a rewards credit card. Let’s take a closer look at some of the key features of this card.

Cashback Rewards Program

One of the standout features of the Citi Custom Cash credit card is its cashback rewards program. The rewards program allows cardholders to earn cashback on eligible purchases. The card offers 5% cashback on eligible purchases in categories that they select each billing cycle, up to the first $500 spent. After that, the cashback rate drops to 1% for the remainder of the billing cycle. Cardholders can earn up to $25 cashback per billing cycle.

The categories that cardholders can choose from include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, and select live entertainment. Cardholders can change their chosen categories each billing cycle, providing them with greater flexibility and control over their rewards.

No Annual Fee

Another feature that makes the Citi Custom Cash credit card an attractive option is that it comes with no annual fee. This means that cardholders can enjoy the benefits of the card without incurring additional costs.

H2: Introductory Offer

The Citi Custom Cash credit card also comes with an introductory offer for new cardholders. Cardholders can earn a $200 cashback bonus after making $750 in purchases within the first three months of account opening.

Other Benefits

In addition to the cashback rewards program and no annual fee, the Citi Custom Cash credit card also comes with a range of other benefits. These include:

  • Digital Wallets: Cardholders can add their Citi Custom Cash credit card to their digital wallet for easy and secure payments.
  • Purchase Protection: The card offers purchase protection, which can provide coverage for damage or theft of eligible purchases.
  • Citi Entertainment: Cardholders can enjoy exclusive access to presale tickets, VIP packages, and more for concerts, sporting events, and other entertainment experiences.

How the Rewards Program Works

The cashback rewards program of the Citi Custom Cash credit card is straightforward and easy to understand. Cardholders can choose their preferred categories each billing cycle and earn 5% cashback on eligible purchases in those categories, up to the first $500 spent. After that, the cashback rate drops to 1% for the remainder of the billing cycle.

At the end of each billing cycle, cardholders will receive their cashback as a statement credit or check. The cashback earned does not expire as long as the card account remains open and in good standing.

It’s important to note that not all purchases are eligible for cashback rewards. Cash advances, balance transfers, fees, interest charges, and purchases made using virtual wallets are not eligible for cashback rewards.

How to Apply for the Citi Custom Cash Credit Card

Applying for the Citi Custom Cash credit card is a simple and straightforward process. Interested individuals can apply for the card online through the Citi website or by visiting a Citi branch.

To apply for the card, applicants must meet the eligibility criteria, which includes being at least 18 years of age, having a valid social security number or taxpayer identification number, and having a good credit score. The credit score requirements for the Citi Custom Cash credit card are typically in the good to excellent range.

The application process usually takes only a few minutes, and applicants will receive a decision on their application within a few days.

Who is the Citi Custom Cash Credit Card Best Suited For?

The Citi Custom Cash credit card is an excellent choice for individuals who are looking for a rewards credit card with no annual fee. It’s also a great option for those who want to earn cashback rewards on their everyday purchases. The ability to choose categories each billing cycle provides greater flexibility and control over rewards.

However, the card may not be the best fit for individuals who spend more than $500 per billing cycle in their chosen categories. In such cases, they may benefit more from a credit card that offers higher cashback rates.

Conclusion

The Citi Custom Cash credit card is a great option for individuals looking for a rewards credit card with no annual fee. Its cashback rewards program, no annual fee, and other benefits make it an attractive option for those who want to earn cashback on their everyday purchases. However, individuals who spend more than $500 per billing cycle in their chosen categories may benefit more from a credit card that offers higher cashback rates. Overall, the Citi Custom Cash credit card is an excellent choice for those looking for a simple and straightforward rewards credit card.

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