The Citi Custom Cash® Card offers a flexible cash back rewards program with no annual fee and a low introductory APR. Discover its advantages, disadvantages, and how to apply.
Advantages of the card Citi Custom Cash® Card
Cardholders can earn $200 cash back after qualifying purchases and enjoy a low introductory APR with no annual fee. The card offers 5% cash back on your top eligible spend category each billing cycle, up to $500 spent, and 1% cash back thereafter on all other purchases. There’s no need to enroll in rotating bonus categories, and cash back is automatically adjusted based on spending habits. Additional benefits include $0 liability on unauthorized charges and various digital banking features for convenience and security.
Disadvantages of the card Citi Custom Cash® Card
While the card offers competitive rewards and features, some users may find the variable APR after the introductory period relatively high depending on their creditworthiness. Additionally, the 5% cash back category is limited to certain merchants and may not align with every cardholder’s spending habits.
Extra features offered by Citi Custom Cash® Card
Cardholders can benefit from automatic account alerts, contactless payment options, digital wallets, and the Citi Mobile® App for convenient banking on-the-go. The card also allows flexibility in choosing the payment due date and offers protection against unauthorized charges.
Learn how to apply for your credit card Citi Custom Cash® Card
To apply for the Citi Custom Cash® Card, individuals can visit the Citi website or contact customer service by phone. Ensure all required information is provided accurately and meet the eligibility criteria.
Discover the main ways to apply for the card Citi Custom Cash® Card
Applicants can apply for the card online through the Citi website or by calling the provided phone number. Ensure all necessary documents and information are prepared for a smooth application process.
Prerequisites for request
From the site
Visit the Citi website and provide accurate personal and financial information during the online application process.
From the site App
Download the Citi Mobile® App and follow the application instructions provided within the app. Have necessary details ready for a seamless application process.
By agency
When applying by phone, ensure you have all required documents and identification ready for verification purposes.
The Citi Custom Cash® Card offers a straightforward cash back rewards program with automatic adjustments based on spending habits. While it may have limitations, such as the variable APR and category restrictions, its flexibility and convenience make it a suitable option for individuals seeking hassle-free cash back rewards. Consider applying if you value simplicity and want to earn cash back on your everyday purchases.
