Citi Custom Cash® Card | CompareCards.com

Citi Custom Cash® Card

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Citi Custom Cash® Card

 

Rated 5/5.0 stars by our editorial team

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Rates & Fees
  • Regular Purchase APR 19.24% - 29.24% (Variable)
  • Intro Purchase APR 0% intro APR for 15 months on Purchases
  • Intro BT APR 0% intro APR for 15 months on Balance Transfers
  • Annual Fee $0
  • Credit Needed Fair / Good / Excellent
  • Card Brand Mastercard®
  • Regular Purchase APR 19.24% - 29.24% (Variable)
  • Intro Purchase APR 0% intro APR for 15 months on Purchases
  • Intro BT APR 0% intro APR for 15 months on Balance Transfers
  • Annual Fee $0
  • Credit Needed Fair / Good / Excellent
  • Card Brand Mastercard®

Highlights

  • 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. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
  • 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
  • Citi will only issue one Citi Custom Cash® Card account per person.
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Card Fees

Foreign Transaction Fee

3%

Balance Transfer Fee

5% of each balance transfer; $5 minimum.

Penalty APR

Up to 29.99% (Variable)

Ongoing Information

Rewards Rate

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

Annual Fee

$0

Expert Reviews

From the CompareCards.com Editorial Team, updated on Jul 05, 2024

The Citi Custom Cash® Card has come to the market with one of the more interesting rewards programs we’ve seen in a while. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. What this means is that unlike some other rewards cards on the market that require you to manually opt-in to special categories each month, this card will automatically apply the highest rate of cash back to your most-used category. That makes the Citi Custom Cash® Card a great pick for anyone looking for a low-maintenance card that still offers an incredibly competitive cash back offer. And the sign-up bonus just sweetens the deal with a low spend threshold and a solid return in the form of ThankYou® Points.

This isn’t just a rewards card though: the Citi Custom Cash® Card also proves itself as a well-rounded choice with over a year of 0% intro APR on both purchases and balance transfers – and all with no annual fee. In short, this card comes with everything we look for in a wallet mainstay, from a solid rewards program to limited fees to generous periods of no interest.

Expert Reviews of the Citi Custom Cash® Card

  • 4.0

    Regular APR

  • 4.0

    Intro APR

  • 4.5

    Fees

  • 5.0

    Benefits

  • 5.0/5

    Overall Rating

The Bottom Line

Between its frankly revolutionary rewards program, great sign-up bonus and a host of other customer-centric features, the Citi Custom Cash® Card is a solid choice with few drawbacks.

The Good

This card has a suite of rewards tailor-made for folks who are tired of having to constantly opt-in to rewards categories on other cards to maximize their cash back earning potential.

The Not so Good

The $500 spend cap on earning the full 5% cash back each billing cycle can be a drawback for those regularly spend a lot in any given category every month.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

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Rated 5/5.0 stars by our editorial team

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