Citi Custom Cash® Card

Citi Custom Cash® Card

The Citi Custom Cash® Card is a versatile credit card designed for individuals who want to maximize their cash back rewards without the hassle of tracking multiple categories. With no annual fee and a straightforward rewards structure, this card is an excellent choice for those seeking simplicity and value in their everyday spending.

Key Features

The Citi Custom Cash® Card offers a range of benefits that make it stand out in the crowded credit card market:

• Earn cash back: Automatically earn 5% cash back on your top eligible spending category each billing cycle (up to $500 in purchases), and 1% cash back on all other purchases.
• Low Intro APR: Enjoy a 0% introductory APR on balance transfers and purchases for the first 15 months. After that, a variable APR applies.
• No annual fee: Keep more of your rewards with no annual fee to worry about.
• Flexible rewards: Redeem your cash back as a statement credit, direct deposit, or check, giving you control over how you use your rewards.
• Contactless payments: Tap to pay for faster, more secure transactions.

How to Earn the Bonus

The Citi Custom Cash® Card offers a generous sign-up bonus for new cardholders. Here’s how you can qualify:

• Bonus offer: Earn $200 cash back after making $0 in qualifying purchases within the first 3 months of account opening.
• No spend requirement: Unlike many other cards, there’s no minimum spend threshold, making it easier to earn the bonus.

This straightforward bonus structure makes the Citi Custom Cash® Card an attractive option for those looking to quickly earn rewards without overspending.

Our Verdict

The Citi Custom Cash® Card is a solid choice for individuals who want a no-fuss rewards card with excellent cash back potential. The automatic 5% cash back on your top spending category each month is a standout feature, especially for those whose spending habits vary. Additionally, the $200 sign-up bonus with no spend requirement is a rare and valuable perk.

However, the 5% cash back is capped at $500 in spending per billing cycle, which may limit the rewards potential for big spenders. Additionally, while the card offers a 0% intro APR on balance transfers and purchases, it’s important to note that a balance transfer fee applies, so it may not be the best option for those looking to consolidate debt.

Overall, the Citi Custom Cash® Card is an excellent fit for budget-conscious individuals who want to earn rewards on everyday purchases without paying an annual fee. Its flexibility and ease of use make it a standout option in the personal credit card space.