Citi Custom Cash® Card: A Flexible Cash-Back Solution

The Citi Custom Cash® Card offers a unique approach to earning cash back with its flexible rewards structure. Designed for those who want to maximize their cash-back earnings without the hassle of tracking categories or managing rotating bonuses, the Citi Custom Cash® Card provides a personalized cash-back experience. With its high cash-back rate on your top spending category, a competitive sign-up bonus, and no annual fee, this card appeals to a wide range of consumers. In this guide, we’ll explore the key features, benefits, potential drawbacks, and overall value of the Citi Custom Cash® Card to help you determine if it’s the right fit for your financial needs.

What is the Citi Custom Cash® Card?

The Citi Custom Cash® Card is a cash-back credit card that offers a dynamic rewards program tailored to your spending habits. Unlike traditional cash-back cards with fixed bonus categories, the Citi Custom Cash® Card automatically adjusts to reward you more in your top spending category each billing cycle. This feature allows you to earn 5% cash back on your highest spending category, up to $500 per billing cycle, and 1% cash back on all other purchases. The card is designed for individuals who want a flexible rewards program that adapts to their spending patterns, offering the convenience of earning high rewards without the need for manual category tracking.

Key Features of the Citi Custom Cash® Card

The Citi Custom Cash® Card boasts several features that make it an attractive option for cash-back enthusiasts:

• 5% Cash Back on Your Top Spending Category: One of the standout features of the Citi Custom Cash® Card is its ability to earn 5% cash back on your highest spending category each billing cycle, up to $500 in purchases. This means that if you spend the most in categories such as dining, groceries, or gas, you’ll earn a substantial cash-back rate in that category for the month.
• 1% Cash Back on All Other Purchases: For all other purchases outside of your top spending category, the card offers 1% cash back. This ensures that you still earn rewards on every dollar spent, even if it’s not in your highest spending category.
• $200 Cash Back Sign-Up Bonus: New cardholders can earn a $200 cash back bonus after spending $750 on purchases in the first 3 months from account opening. This substantial bonus provides a valuable boost to your cash-back earnings right from the start.
• No Annual Fee: The Citi Custom Cash® Card has no annual fee, making it a cost-effective option for earning cash back. You can enjoy the benefits of the card without worrying about ongoing costs, which enhances its overall value.
• 0% Introductory APR on Purchases and Balance Transfers: The card offers a 0% introductory APR on purchases and balance transfers for the first 15 months from account opening. This feature is ideal for those looking to finance large purchases or consolidate existing credit card debt without incurring interest. After the introductory period, a variable APR applies.
• Flexible Redemption Options: Cash back earned with the Citi Custom Cash® Card can be redeemed in various ways, including as a statement credit, direct deposit, or for gift cards and merchandise. This flexibility allows you to use your rewards in a way that best suits your needs.
• Citi Entertainment® and Other Perks: The card provides access to Citi Entertainment®, which offers exclusive access to tickets and presale opportunities for concerts, sporting events, and other entertainment experiences. Additionally, cardholders benefit from travel and purchase protections, including travel accident insurance and extended warranty coverage.
• Fraud Protection and Alerts: Citi provides zero liability for unauthorized charges, ensuring you won’t be responsible for fraudulent transactions made with your card. You’ll also receive real-time alerts for suspicious activity to help keep your account secure.