Citi Custom Cash Card Review

Step into a world of personalized rewards with the Citi Custom Cash® Card! The Citi Custom Cash® Card is here to make your financial journey rewarding and exciting!

With the Citi Custom Cash Card, you’re in control of maximizing your rewards and enjoying the flexibility of a card that evolves with you. Designed to adapt to your unique spending habits, this card offers a dynamic rewards structure that adjusts to fit your lifestyle. Imagine earning extra cash back on your top spending category each month, whether it’s dining, groceries, or entertainment.

Embrace the freedom of earning and redeeming rewards in a way that’s tailored just for you. This card not only simplifies your spending but also enhances your financial experience with robust benefits and no annual fee. Join the ranks of savvy spenders who make the most out of every dollar spent, and watch as your rewards grow with each purchase. 

CREDIT CARD

Citi Custom Cash

$0 Liability FICO Score

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Citi Custom Cash Card Benefits

• 5% Cash Back on Top Spending Category: Earn an incredible 5% cash back on your top eligible spending category each billing cycle, up to $500 spent. Whether it’s dining out, groceries, or travel, the Citi Custom Cash® Card ensures your favorite spending categories yield the highest rewards.
• 1% Cash Back on Other Purchases: Enjoy a solid 1% cash back on all other purchases. Every dollar spent adds up, making sure you earn rewards on every transaction, not just your top category.
• No Annual Fee: Experience all these fantastic benefits without the burden of an annual fee. The Citi Custom Cash® Card offers exceptional value without additional costs, making it a smart choice for savvy spenders.
• Introductory Offer: Take advantage of an enticing introductory offer for new cardholders. Earn a generous cash back bonus after meeting the initial spending requirement, giving you an extra boost to start your rewards journey.
• Flexible Redemption Options: Redeem your cash back in a variety of ways, including statement credits, gift cards, or even direct deposits into your bank account. The flexibility ensures you can use your rewards in a way that best fits your needs.
• Fraud Protection: Enjoy peace of mind with robust fraud protection services. The Citi Custom Cash® Card comes with advanced security features to safeguard your account from unauthorized transactions.
• Purchase Protection: Benefit from purchase protection that covers damage or theft of eligible items purchased with the card, adding an extra layer of security to your purchases.
• Extended Warranty: Extend the manufacturer’s warranty on eligible purchases made with your card, ensuring additional coverage and peace of mind for longer-lasting products.
• Travel Benefits: Access valuable travel benefits, including car rental insurance and travel assistance services. These features enhance your travel experience by providing added security and convenience.
• 24/7 Customer Service: Get round-the-clock customer support for any inquiries or issues. Citi’s dedicated customer service team is available to assist you whenever you need help.

Who Can Apply

Here’s who can typically apply for the Citi Custom Cash® Card:

1. Age: You must be at least 18 years old to apply.
2. Credit Score: A good to excellent credit score is generally required. Typically, a score of 700 or higher is favorable, but individual approval can vary based on other factors.
3. Income: You need to have a steady source of income. While there isn’t a specific income requirement, your income should support your ability to manage the card’s payments.
4. Credit History: A good credit history is often required. This includes having a track record of timely payments and responsible credit management.
5. U.S. Citizenship or Residency: You must be a U.S. citizen or a legal resident with a valid Social Security number.
6. Residency: You must have a U.S. address.
7. Debt-to-Income Ratio: Your overall financial situation, including your debt-to-income ratio, may be evaluated to assess your ability to manage credit responsibly.
8. Existing Citi Accounts: While not required, having an existing relationship with Citi, such as a checking or savings account, may be beneficial.

The Citi Custom Cash® Card is designed for individuals with good credit who are looking for a card with flexible rewards and cash back options, but specific criteria may vary based on individual circumstances.

How to Apply

1. Visit the Citi Website: Go to the Citi Custom Cash® Card application page.
2. Fill Out the Application: Complete the online application form with your personal and financial information.
3. Submit Documents: Provide any necessary documentation to verify your identity and income.
4. Review and Apply: Check your application details, submit, and await approval.

Citi Custom Cash Card Frequently Asked Questions

1. What are the eligible spending categories for 5% cash back?
   • Eligible categories may include dining, groceries, travel, and more. Check your card’s benefits for specific details.
2. How do I contact customer service for the Citi Custom Cash® Card?
   • You can contact customer service 24/7 through the number provided with your card or visit Citi’s website for support.
3. How can I change my top spending category?
   • The top spending category is automatically determined based on your spending patterns. For any changes or updates, contact Citi customer service.
4. How can I check my rewards balance?
   • Log into your Citi account online or via the mobile app to view your rewards balance and track your earnings.

CREDIT CARD

Citi Custom Cash

$0 Liability FICO Score

APPLY NOW You will be redirected