Citi Custom Cash Card Review

Embrace a revolutionary way to earn rewards that truly match your lifestyle with the Citi Custom Cash Card.

This card is uniquely designed to adapt to your spending habits, offering a dynamic rewards structure that ensures you earn extra cash back on your top spending category each month. Whether you spend more on dining, groceries, entertainment, or any other category, the Citi Custom Cash Card tailors your rewards to where you spend the most, maximizing your benefits every month.

Say goodbye to one-size-fits-all rewards programs and enjoy the freedom to earn and redeem rewards in a way that fits your individual needs. The Citi Custom Cash Card simplifies your financial life with its flexible rewards and no annual fee, making it easy to manage your spending while enjoying substantial rewards.

Join the ranks of savvy cardholders who leverage personalized rewards to get the most out of every dollar spent, and watch your benefits grow with each purchase.

Citi Custom Cash Card Benefits

• 5% Cash Back on Top Spending Category: The Citi Custom Cash® Card rewards you with an impressive 5% cash back on the category where you spend the most each month, up to $500. Whether it’s dining, groceries, or travel, this card ensures you earn top rewards on the areas you prioritize most.
• 1% Cash Back on All Other Purchases: For everything else, you’ll still earn a reliable 1% cash back on all purchases. This means your everyday expenses don’t go unrewarded, and you build up cash back from all your transactions.
• No Annual Fee: Enjoy the perks of the Citi Custom Cash® Card without the extra burden of an annual fee. This feature ensures that you receive all these benefits while keeping costs at bay.
• Introductory Offer: New cardholders are welcomed with a compelling introductory offer, including a significant cash back bonus after meeting initial spending requirements. This offer gives you a boost as you start enjoying the rewards.
• Flexible Redemption Options: Use your cash back however you like, with options including statement credits, gift cards, or direct deposits into your bank account. This flexibility lets you redeem your rewards in the way that best fits your lifestyle.
• Fraud Protection: Your security is a priority with robust fraud protection. The Citi Custom Cash® Card features advanced measures to detect and prevent unauthorized transactions, keeping your account safe.
• Purchase Protection: Shop with confidence knowing that your eligible purchases are covered against damage or theft. This protection provides an extra layer of security for the things you buy.
• Extended Warranty: Extend the warranty on eligible items purchased with your card, offering additional coverage beyond the manufacturer’s warranty. This benefit ensures you get extended protection for your purchases.
• Travel Benefits: Enhance your travel experiences with valuable benefits like car rental insurance and travel assistance services. These perks provide extra convenience and security while you’re on the go.
• 24/7 Customer Service: Get support whenever you need it with 24/7 customer service. Citi’s dedicated team is always available to assist with any questions or issues you may have, ensuring you receive timely help.

Who Can Apply

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

1. Age: Applicants must be at least 18 years old to qualify for the Citi Custom Cash Card.
2. Credit Score: A good to excellent credit score is typically needed, with a score of 700 or higher being favorable. Approval may vary based on individual financial circumstances.
3. Income: You should have a steady source of income to support your ability to make card payments. While no specific income threshold is set, it should be sufficient to handle the card’s financial obligations.
4. Credit History: A strong credit history is often required, including a record of timely payments and responsible credit use.
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: A U.S. address is necessary for application.
7. Debt-to-Income Ratio: Your overall financial health, including your debt-to-income ratio, will be considered to assess your credit management capability.
8. Existing Citi Accounts: While not mandatory, having existing accounts with Citi, such as a checking or savings account, can be advantageous.

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?

The 5% cash back on the Citi Custom Cash Card applies to categories such as dining, groceries, travel, and others. For specific details and the most current list of eligible categories, refer to your card’s benefits guide or Citi’s website.

2. How do I contact customer service for the Citi Custom Cash Card?

You can reach Citi customer service 24/7 by calling the number provided with your card. Alternatively, you can visit Citi’s website for additional support options and information.

3. How can I change my top spending category?

The top spending category is automatically selected based on your spending patterns each month. If you need to make any changes or have questions about your category, contact Citi customer service for assistance.

4. How can I check my rewards balance?

To view your rewards balance and track your earnings, log into your Citi account either online or through the mobile app. This will provide you with up-to-date information on your rewards status.