Citi Custom Cash Card Review

Enjoy flexible rewards The Citi Custom Cash Card - Unlock Your Spending Power

The Citi Custom Cash Card is a game-changer in the world of credit cards, offering dynamic rewards tailored to your spending habits. Unlike traditional credit cards with rigid reward categories, ensuring you get the most value every month.

Whether you’re dining out, shopping for essentials, or covering travel expenses, this card adjusts to match your highest spending category. Plus, with an enticing welcome bonus and introductory APR, it’s an optimal choice for those seeking to maximize savings and rewards.

CREDIT CARD

Citi Custom Cash

Earn $200 cash back No annual fee

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Maximize Your Cash Back Potential With Custom Cash Card

• Welcome Bonus That Puts Money in Your Pocket: Receive a $200 cash back bonus when you spend $1,500 within your first six months.

• Dynamic 5% Cash Back Categories: Unlike standard rewards cards, this one offers 5% cash back on your top eligible spending category each billing cycle, up to $500 spent.

• No Hassle, No Activation Required: Unlike some cash back cards that require constant category activation, this card automatically determines your top spending category.

• Wide Range of Eligible Categories: From travel and dining to fitness memberships and grocery shopping, the card accommodates multiple spending habits. It ensures that frequent spenders in key areas get the most out of their purchases.

• Secure and Contactless Transactions: Enjoy peace of mind with advanced security features like fraud protection and instant transaction alerts. Additionally, contactless payment options make everyday transactions quicker and safer.

• Streamlined Online Account Management: Track your spending, pay bills, and redeem rewards with Citi?s user-friendly online portal and mobile app. Managing your finances has never been easier.

• Ideal for Everyday and Strategic Spending: Whether you use it for daily expenses or planned purchases, this card provides flexibility, making it a valuable addition to any financial strategy.

Qualification Requirements for the Custom Cash

• Must Be a U.S. Resident: Applicants must be legal residents of the United States with a valid Social Security number or Taxpayer Identification Number.

• Minimum Credit Score Requirement: A good to excellent credit score (typically 700 or above) increases approval chances, ensuring eligibility for the best available terms.

• Proof of Stable Income: Applicants must demonstrate a reliable source of income to qualify. This assures lenders of the ability to repay balances responsibly.

• Age Requirement: You must be at least 18 years old (or 19 in some states) to apply. This ensures compliance with federal and state credit regulations.

• Debt-to-Income Ratio Consideration: A reasonable debt-to-income ratio improves approval odds. This reflects financial responsibility and ensures manageable credit usage.

• No Recent Bankruptcy Filings: Applicants with a history of bankruptcy may face difficulties in approval, as lenders assess financial reliability before extending credit.

How to Apply for the Custom Cash Card

• Visit the Official Citi Website: Head to Citi?s official webpage to find the Citi Custom Cash Card application. This is the fastest and most secure way to apply.

• Fill Out the Online Application Form: Provide personal details, including your name, address, Social Security number, and income information. Ensure all details are accurate to avoid processing delays.

• Check for Pre-Qualification: Before submitting your application, you can check if you pre-qualify without affecting your credit score. This helps determine approval chances.

• Submit Your Application for Review: Once submitted, Citi will evaluate your financial details. Some applications receive instant decisions, while others may take additional time.

• Receive Your Approval Confirmation: If approved, you’ll receive an email or notification outlining your credit limit and terms. You can then set up your online account to manage your card.

• Activate Your Card and Start Spending: Upon receiving your physical card, activate it through the Citi app or website. Once activated, you can start using your card and earning rewards.

Frequently Asked Questions

Do I need to activate categories for the Citi Custom Cash Card?

No, the card automatically identifies your highest spending category each billing cycle, so there’s no need for manual activation.

Is there a cap on the 5% cash back category?

Yes, you’ll earn 5% cash back on your top eligible spending category for up to $500 per billing cycle. After reaching this limit, all purchases will earn 1% cash back.

Can I transfer a balance from another credit card?

Yes, the card offers a 0% introductory APR on balance transfers for 15 months. However, a balance transfer fee applies, and the APR will adjust once the intro period ends.

What if my spending habits change?

Your top spending category is recalculated every billing cycle, ensuring the card automatically adapts to your spending patterns.

CREDIT CARD

Citi Custom Cash

Earn $200 cash back No annual fee

APPLY NOW You will be redirected