The Citi Custom Cash® Card is all about flexibility—offering a cash back program that automatically adjusts to your spending habits. Whether you spend most on groceries this month and restaurants the next, this card follows your lifestyle and maximizes your rewards accordingly.
With no annual fee, a solid intro APR offer, and access to Citi’s digital tools, it’s a practical and rewarding choice for everyday cardholders who want their spending to work for them—not against them.
CITI CUSTOM CASH® CARD
Earn $200 cash back Low Intro APRBenefits of the Citi Custom Cash® Card
Here’s what makes this card stand out in the cash back category:
- Automatic Rewards – Earn elevated cash back in the top eligible category you spend the most in each billing cycle. No need to choose or switch manually.
- No Annual Fee – Keep more of your rewards, since there’s no yearly cost to carry the card.
- Intro APR – Take advantage of a 0% introductory APR on purchases and balance transfers for a limited period, giving you breathing room on new spending or existing debt.
- Earn Citi ThankYou® Points – Rewards are issued as ThankYou® Points, which can be redeemed for cash back, travel, gift cards, or used to cover recent purchases.
- Broad Spending Categories – Bonus applies to common areas like restaurants, gas stations, grocery stores, select streaming services, transit, and more.
- Digital Account Management – Use the Citi Mobile® App or website to manage your card, monitor spending, and redeem points.
- Security and Fraud Protection – Citi offers real-time alerts, virtual account numbers, and $0 liability for unauthorized purchases.
This card is ideal for people with varied monthly spending and a desire to earn more without thinking about rotating categories or enrolling in bonus programs.
Fees and Rates Summary
Here’s a quick overview of the most relevant fees and charges:
| Taxa | Detalhes |
|---|---|
| Anuidade | $0 |
| APR Compras | 0% por 15 meses, depois variável |
| APR Transferência | 0% por 15 meses, depois variável |
| Taxa de Transferência | 5% (mínimo $5) |
| Taxa Internacional | 3% por transação |
| Saque (Cash Advance) | $10 ou 5% (o que for maior) |
| Atraso no Pagamento | Até $41 |
| Juros Mínimos | $0.50 se aplicável |
While the card offers excellent value for domestic spending, it may not be the best choice for international use due to foreign transaction fees.
Who Can Apply?
To be eligible for the Citi Custom Cash® Card, applicants typically need to meet the following criteria:
- Be at least 18 years old (19 in some states)
- Have a valid Social Security Number or Individual Taxpayer Identification Number (ITIN)
- Maintain a good credit score (recommended: fair to excellent)
- Have a verifiable source of income
- Possess a valid U.S. mailing address
Approval is based on creditworthiness, income, and other financial factors assessed during the application process.
How to Apply for the Citi Custom Cash® Card
Applying is quick and secure. Follow these steps:
- Visit the official page: Citi Custom Cash® Card
- Click on “Apply Now”
- Fill in your personal and financial information
- Review the terms and disclosures
- Submit your application for a fast decision
If approved, you’ll receive your card by mail and can start earning rewards right away.
Final Thoughts
The Citi Custom Cash® Card is a standout option for cardholders who want a no-hassle, personalized cash back experience. By adjusting your rewards to your top spending category each month, it ensures you always earn more—without the extra effort.
With no annual fee, solid digital features, and multiple redemption options through ThankYou® Points, this card blends value, ease, and control. Whether you’re dining out, commuting, or shopping for groceries, the Citi Custom Cash® Card is ready to meet your needs.
Ready to earn rewards that match your lifestyle? Apply now and let the Citi Custom Cash® Card work for you.
CITI CUSTOM CASH® CARD
Earn $200 cash back Low Intro APRFrequently Asked Questions
What type of credit card is the Citi Custom Cash® Card?
It’s a no-annual-fee cash back credit card that automatically tailors its rewards to your top spending category each billing cycle. It combines flexible earning with straightforward terms.
How does the cash back work on the Citi Custom Cash® Card?
You earn higher cash back on the category where you spend the most each month—automatically. There’s no need to activate or choose the category manually.
Which purchases qualify for the highest rewards rate?
Top spending categories include restaurants, supermarkets, gas stations, select travel and transit, streaming services, home improvement stores, and more.
How can I use the rewards I earn?
Your cash back is issued as Citi ThankYou® Points, which can be redeemed for cash, statement credits, gift cards, travel, or purchases through Citi’s rewards platform.
What kind of credit do I need to be approved?
Applicants typically need a good to excellent credit score to qualify. If your credit is still in progress, you may want to explore other options like secured cards to build your history.
