Citi Custom Cash Card Review

Unlock flexible rewards, earn as you spend, and maximize your cash back with every purchase.

The Citi Custom Cash Card is designed for consumers seeking a dynamic approach to rewards. It automatically adjusts to your spending habits, giving you the most cash back where you need it the most. This card offers an effortless way to maximize savings without the hassle of managing rotating categories or reward activations. 

Whether you’re covering daily essentials or splurging on a luxury, the Citi Custom Cash Card works with you, not against you. Plus, its adaptable features mean you never miss an opportunity to get the best value from your purchases.

Citi Custom Cash Card: Cash Back That Adapts

•  Personalized Rewards: Unlike other cashback cards, the Citi Custom Cash Card automatically customizes your rewards based on your spending each month. You can earn 5% cash back on your top eligible spend category without having to manually select categories. This takes the guesswork out of rewards and ensures you’re getting maximum value without effort.

•  No Rotating Categories: Many cashback cards have categories that change every quarter, making it hard to keep track of where you’ll earn rewards. The Citi Custom Cash Card simplifies this process by allowing you to earn in your highest spend category automatically, whether that’s groceries, dining, or another category. It’s all about making your card work harder for you.

•  No Annual Fee: The card offers flexibility and value without charging an annual fee. This is a huge benefit for those who don’t want to pay just to own a credit card. With no yearly costs to worry about, every reward you earn is pure savings.

•  Contactless Payments: Tap to pay technology is included, allowing for a fast, easy, and secure checkout. With one quick tap, you can complete your purchases without swiping or inserting your card, making the shopping experience smoother and more convenient.

•  Flexible Credit Limits: The Citi Custom Cash Card offers a range of credit limits to suit different financial situations. Whether you’re looking to establish credit or manage your monthly budget, the card can adjust to your needs.

•  Low Intro APR: New cardholders can enjoy a low introductory APR on purchases and balance transfers, making it easier to manage large purchases or consolidate debt. This feature gives you time to pay off balances without incurring interest charges.

•  Mobile Account Management: Manage your account on the go with Citi’s easy to use mobile app. You can check balances, pay bills, and even set up alerts to ensure you never miss a payment. It’s a convenient way to stay on top of your finances.

•  Fraud Protection: With Citi’s robust fraud detection, your account is constantly monitored for any suspicious activity. If any issues arise, Citi’s zero liability policy ensures you won’t be held responsible for unauthorized charges.

•  Citi Entertainment Access: Cardholders can enjoy exclusive access to purchase tickets to thousands of events, including concerts, sporting events, and dining experiences, giving you unique perks just for being a cardholder.

Qualification Requirements

•  U.S. Residents Only: To apply for the Citi Custom Cash Card, applicants must be legal residents of the United States. This ensures that all cardholders meet federal guidelines for credit applications.

•  Age Requirement: Applicants must be at least 18 years old. This is a standard requirement across credit card products, ensuring that cardholders are legally able to enter into a credit agreement.

•  Credit History: While the Citi Custom Cash Card is accessible to a wide range of applicants, having a good to excellent credit score will increase your chances of approval. Those with established credit histories will find this card more easily accessible.

•  Steady Income: A regular source of income is required to demonstrate that you can responsibly manage the credit line provided. This can come from employment, self employment, or other forms of steady income.

•  No Recent Bankruptcies: Applicants who have recently filed for bankruptcy may not qualify for the Citi Custom Cash Card. Creditors need assurance that the applicant is in stable financial standing.

•  Identification: A valid form of identification, such as a Social Security number or Taxpayer Identification Number, is necessary to apply. This ensures that your identity can be verified and that you meet legal requirements.

How to Apply for The Citi Custom Cash Card

•  Online Application: The easiest way to apply is through Citi’s website. Simply fill out the required fields, submit your information, and await an instant decision. Many applicants receive approval within minutes.

•  Mobile App: If you’re already a Citi customer, you can also apply directly through the Citi mobile app. This method is convenient for those who already manage their finances via smartphone.

•  Phone Application: If you prefer speaking with a representative, you can call Citi’s customer service line to apply over the phone. This option allows you to ask any questions you may have about the process in real time.

•  InPerson Application: Some Citi branches offer in person applications if you prefer handling your application face to face. Simply visit your nearest branch and ask for assistance with the application.

•  Mail Application: While not the fastest method, you can request a paper application by mail. Once filled out, return it via post, and Citi will notify you of their decision.

•  Referral Application: If you know someone who is already a Citi Custom Cash Cardholder, they can refer you.

Frequently Asked Questions

What are the reward categories?  

The top category is automatically chosen based on your highest monthly spend, with no need for manual selection.

Is there an annual fee?  

No, the Citi Custom Cash Card has no annual fee, allowing you to maximize rewards without extra costs.

Can I use the card abroad?  

Yes, the card can be used internationally, although foreign transaction fees may apply.

What’s the credit limit?  

Your credit limit will depend on your credit score and financial profile at the time of application.