Credit Cards (US)

Citi Custom Cash℠ Card review

The Citi Custom Cash℠ Card is a great card with cash back opportunities. This card adapts to their cardholders' needs! Keep reading to see our full review!

by Thais Daou

08/11/2021 | Updated on 02/07/2023

Citi Custom Cash℠ Card: $200 welcome bonus!

Read our Citi Custom Cash℠ Card review! Source: The Mister Finance
Read our Citi Custom Cash℠ Card review! Source: The Mister Finance

In this Citi Custom Cash℠ Card review, we’ll look over one the features of one of the most rewarding Citi cards. The card offers great cash back opportunities to its cardholders. Another amazing feature is that all membership points are rewarded as ThankYou points.

By signing up for this card, you can earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for the cash back.

This is a card that adapts to their clients’ needs. It has as a great benefit the ability to adapt to the cardholder’s conditions. So, keep reading if you want to know more about this card that is full of opportunities!

Citi Custom Cash℠ Card

How do you get the Citi Custom Cash℠ Card?

The Citi Custom Cash℠ Card has great cash back rewards for its cardholders. Read more if you want to know how to apply for this rewarding card!

How does the Citi Custom Cash℠ Card work?

As a welcome bonus, you have $200 in cash back rewards after spending $1,500 on purchases within the first 6 months of card membership. You get 5% cash back on up to $500 you spend on your highest spending category and 1% thereafter. There is one bonus category per billing cycle. All other purchases have a 1% return rate.

There is no annual fee for this card. And the cardholders earn their rewards in ThankYou points that can be redeemed as cash back.

Citi Custom Cash℠ Card benefits

What are the benefits to this card? Source: Adobe Stock.
What are the benefits to this card? Source: Adobe Stock.

Pros

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back;
  • 0% Intro APR on balance transfers and purchases for 15 months (then 18.49% – 28.49%, based on your creditworthiness);
  • 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Unlimited 1% cash back on all other purchases;
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories;
  • No Annual Fee.

Cons

  • The foreign transaction fee is 3%.
  • The card has a great 5% on one bonus category every billing cycle, but the other spending you make will earn only 1%.
  • One bonus category limitation per billing cycle.

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Should you apply for this card?

This card offers 5% cash back for your highest eligible purchase category up to $500 and comes with no annual fee. If you can match up your biggest expenses with the top rotating categories, you can maximize your rewards.

The 5% cash back options have good categories like groceries and dining. So, if you are looking for good everyday cash back spending categories, you will like this card.

But if you’d rater have a card with a straightforward cash back rate, the Citi Custom Cash℠ Card might not be the best fit for you.

How good does your credit score need to be?

To become eligible for this card, you need at least a good credit score. However, it’s important to note that Citi takes more than your current score into consideration for approval. To get better approval odds, it’s important to have a solid annual income, low debt and other important data points.

How to apply for Citi Custom Cash℠ credit card?

Are you interested in getting this rewarding card? You should know that the application process is very straightforward. So, to know more about how to get this great card, check out the following link.

Citi Custom Cash℠ Card

How do you get the Citi Custom Cash℠ Card?

The Citi Custom Cash℠ Card has great cash back rewards for its cardholders. Read more if you want to know how to apply for this rewarding card!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author

Thais Daou

Thais Daou holds an undergraduate degree in Languages — Translating and Interpreting from the São Judas Tadeu University. She has been translating, proofreading, and transcribing financial documents, as well as documents from other fields, for five years. And now she begins a new chapter in her career, writing about financial solutions in a simplified way, with a desire to spread this knowledge, which is so important.

Reviewed by

Aline Barbosa

Senior Editor

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