Cash Back Mastery: Exploring the Citi Custom Cash® Card

Looking for financial freedom and maximizing savings? Take a look at the Citi Custom Cash® Card cash back, spending rewards, and benefits.

With the Citi Custom Cash® card, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. Get 5% cash back on your top eligible spend category each billing cycle, up to $500 spent, and 1% cash back on all other purchases.

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Key features of the Citi Custom Cash® Card

Within the 5% cash back selected categories, include restaurants, gas stations, grocery stores, travel, transit, streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

Also, cash back is accrued through ThankYou® points. This entails earning 5 points per $1 spent on purchases within your primary eligible spend category each billing cycle, up to the initial $500 spent, and 1 point per $1 on all other transactions.

In addition to its regular rewards, the card presents a special travel offer, granting an extra 4% cash back on hotels, car rentals, and attractions booked through the Citi Travel℠ portal until 6/30/2025.

Moreover, the card comes with no annual fee and $0 liability on unauthorized charges.

Finally, the card offers a 0% introductory APR for 15 months on both purchases and balance transfers. After, the variable APR ranges from 19.24% to 29.24%.

Your points can be exchanged for cash back through various avenues, including direct deposit, statement credit, check, gift cards, travel bookings, or Shop with Points at Amazon.com or PayPal.

Your creditworthiness and other pertinent factors evaluated by Citibank during the application process.

Generally, applicants should possess good to excellent credit scores to qualify for approval.

Yes. The Cash Back Bonus is not accessible if you have previously received one within the last 48 months.

Besides not requiring enrollment in rotating bonus categories, the Citi Custom Cash® Card allows the free addition of Authorized Users and lets you earn points on their purchases.

Eager to discover more advantages of the Citi Custom Cash® Card?

If you’re keen on accessing the cash back incentives and special privileges provided by this card, dive into an elaborate article crafted to assist you through the online application process.

See how to apply

Considering other options?

The Capital One SavorOne Cash Rewards Credit Card offers cashback on dining, entertainment, and groceries, along with a one-time bonus for new cardholders.

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