The Citi Custom Cash® Card is perfect for anyone looking for a smart credit card tailored to their lifestyle. With automatic cashback on your top spending categories and no annual fee, this card brings real savings to your everyday purchases.
The Citi Custom Cash® Card offers a mix of benefits that align with your spending priorities. Whether at restaurants, grocery stores, or gas stations, you always earn more on what you already spend. It’s the ideal solution for turning purchases into rewards.
Why This Card is for You?
This card stands out for its simplicity and personalization. Instead of rotating categories and manual activations, the Citi Custom Cash® Card automatically identifies your highest eligible spend category each billing cycle and applies 5% cashback. It’s made for those who want rewards without the hassle.
With a welcome bonus of $200 after spending $1,500 in the first six months and an intro 0% APR for 15 months, this card combines savings, security, and real benefits for your daily life.
Pros and Cons of the Citi Custom Cash® Card
Before making your decision, it’s important to weigh the pros and cons:
Pros
- 5% automatic cashback: Earn 5% on your top eligible spend category (up to $500/month) without having to enroll or activate categories.
- No annual fee: Enjoy all the benefits without paying an annual fee.
- Intro 0% APR: Get 0% APR for 15 months on purchases and balance transfers.
Cons
- Monthly limit for 5% cashback: The 5% rate only applies to the first $500 spent in the top category per billing cycle.
- Foreign transaction fee: A 3% fee applies to purchases made in foreign currencies.
How to Apply for Your Citi Custom Cash® Card
You can apply for your Citi Custom Cash® Card quickly and securely online. The process takes less than a minute to receive an initial response, and the entire application can be completed digitally with ease.
Have your personal information, proof of income, and current address ready. After submitting, Citi will evaluate your eligibility. If approved, your card will be mailed to you, and you can activate it through the Citi Mobile® app.