Citi Custom Cash – How to apply
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The Citi Custom Cash℠ Credit Card is designed for people who want rewards that align with their spending habits.
Offering 5% cashback on your highest spending category each billing cycle, this card ensures you’re always earning where it counts.
With no need to manually activate categories and unlimited 1% cashback on everything else, the Citi Custom Cash℠ Card simplifies rewards while delivering real value.
Citi Custom Cash
5% cash back No annualHow Does the Citi Custom Cash℠ Credit Card Work?
The Citi Custom Cash℠ Credit Card operates on a unique system that tailors rewards to your spending. Each billing cycle, the card automatically identifies your top spending category and awards 5% cashback (up to $500 in purchases). Eligible categories include dining, gas stations, grocery stores, travel, drugstores, home improvement stores, and select streaming services.
For all other purchases—or after hitting the $500 cap—you’ll earn unlimited 1% cashback. Rewards are applied as Citi ThankYou® Points, which can be redeemed for statement credits, travel, gift cards, and more.
With no annual fee, this card is a low-cost way to earn rewards tailored to your spending.
Main Benefits for the Citi Custom Cash℠ Credit Card
The Citi Custom Cash℠ Credit Card is an excellent choice for individuals looking to earn high rewards tailored to their unique spending patterns. One of its standout features is the 5% cashback on your top spending category each month, ensuring that you earn the maximum rewards on the purchases that matter most to you. Whether it’s groceries, gas, or dining, this card automatically adjusts to reflect your highest spending category, giving you the flexibility to earn more on the areas you spend the most.
The card’s no-annual-fee structure makes it accessible to a wide range of users, allowing you to benefit from its generous rewards program without the added burden of an annual charge. Furthermore, the automatic adjustment to spending categories means you won’t have to worry about manually activating different rewards tiers each month, making it a convenient option for those who want to earn rewards effortlessly.
Another benefit is the flexibility of Citi ThankYou® Points, which provides a range of redemption options. You can use your points for various purposes, including travel, statement credits, gift cards, and more, allowing you to get the most value from your rewards. This combination of adaptability, no annual fee, and versatile rewards makes the Citi Custom Cash℠ Credit Card a compelling option for anyone looking to maximize their cashback potential.
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Cons for the Citi Custom Cash℠ Credit Card
While the Citi Custom Cash℠ Credit Card offers impressive benefits, it does come with a few limitations that may affect some users. One of the primary drawbacks is that the 5% cashback is capped at $500 in purchases per billing cycle. Once you reach this limit, the cashback rate drops to 1% on any additional purchases in the same category, which may not be sufficient for high spenders in certain categories who could exceed the cap regularly.
Finally, the card’s APR can be relatively high, which makes it less suitable for individuals who tend to carry a balance. To avoid costly interest charges, it’s best to pay off your balance in full each month. If you’re unable to do so, the interest fees could offset the value of the rewards you’re earning.
APR and Fees
The Citi Custom Cash℠ Credit Card features no annual fee, making it a budget-friendly option. However, it’s essential to pay your balance in full each month to avoid interest charges, as the card’s APR can be high for carried balances.
How to Apply for the Citi Custom Cash℠ Credit Card
Applying for the Citi Custom Cash℠ Credit Card is quick and easy. Here’s how:
- Visit the Website: Go to Citi’s official website or mobile app and find the Custom Cash℠ Credit Card page. Click “Apply Now” to begin.
- Provide Your Information: Enter your personal and financial details, such as your name, address, Social Security number, and income. This information helps Citi determine your eligibility.
- Submit Your Application: Double-check your details for accuracy and hit submit. Most applicants receive an instant decision, though some may require additional review.
- Activate Your Card: Once approved, your card will arrive in the mail within 7–10 business days. Activate it online or through Citi’s app, and start earning rewards right away!
With its tailored rewards program and no-annual-fee policy, the Citi Custom Cash℠ Credit Card is a fantastic choice for anyone who wants flexible, hassle-free rewards.
