Citi Custom Cash® Card Application Journey
In this article, you can learn from eligibility criteria to extra perks before applying for the Citi Custom Cash® Card.
Benefits of the Citi Custom Cash® Card
The Citi Custom Cash® card presents a lucrative offer to new cardholders, providing an opportunity to earn $200 cash back after spending $1,500 on purchases within the first six months of opening an account.
Additionally, users can enjoy 5% cash back on their top eligible spend category each billing cycle, capped at $500 spent, and 1% cash back on all other purchases.
CREDIT CARD
Citi Custom Cash®
Interested in those benefits and want to begin your application?
START YOUR APPLICATION* You will be directed to an external website
The Citi Custom Cash® Card comes with no annual fee and $0 liability on unauthorized charges, making it a convenient choice for consumers.
Furthermore, there’s a 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable APR ranging from 19.24% to 29.24%.
Other key features of this card include a diverse range of 5% cash back categories such as restaurants, gas stations, grocery stores, etc., and cash back is accrued through ThankYou® points.
Moreover, the card offers a special travel promotion, providing an extra 4% cash back on hotels, car rentals, and attractions booked through the Citi Travel℠ portal.
Redeeming rewards earned with the Citi Custom Cash® card is flexible, with options including direct deposit, statement credit, check, gift cards, travel bookings, or Shop with Points at Amazon.com or PayPal.
Additionally, the card imposes restrictions on the Cash Back Reward Bonus offer, excluding individuals who have received one within the last 48 months.
Notably, the Citi Custom Cash® Card differs from other options by not mandating enrollment in rotating bonus categories, allowing free addition of Authorized Users, and enabling users to earn points on their purchases, enhancing its appeal to potential customers.
Eligibility criteria: is the Citi Custom Cash® Card right for me?
The Citi Custom Cash® Card suits those with sporadic spending habits.
- Offers flexibility in earning rewards.
- Ideal for individuals facing significant one-time expenses or carrying high-interest debt.
- Potential for converting rewards into airline miles and hotel points for free travel.
Obtaining the Citi Custom Cash® Card is relatively straightforward.
- Fair credit scores (mid-600s) stand a reasonable chance of approval.
- No specific minimum income requirement is indicated by Citi.
- Approval is influenced by factors like annual income and existing debts.
- Applicants must be at least 18 years old, have a U.S. mailing address, and possess a valid Social Security Number (SSN).
The application process for the Citi Custom Cash® Card
You can apply online securely. Existing customers can use their Citi username and password for a shortened application.
Firstly, provide your name, social security number, date of birth, and citizenship status. After, input the address, phone number, and email.
The next step is to share the total annual income, monthly mortgage, or rent payment, and decide on adding an authorized user.
Understand APRs, penalty APR, and applicable fees, and note minimum interest charges and plan fees. Give some authorizations allowing Citibank to obtain credit reports, and agree to card terms and conditions, paperless terms, and alert terms.
Finally, submit your application and, according to Citibank, get a response in under a minute.
CREDIT CARD
Citi Custom Cash®
Interested in those benefits and want to begin your application?
START YOUR APPLICATION* You will be directed to an external website
Additional information
ID Theft Protection program offered by Mastercard provides peace of mind by monitoring for potential identity theft. Enroll for free and receive alerts if suspicious activity is detected on your account.
Stay informed about your credit health with free access to your FICO® Score. Easily view it anytime without impacting your score, and get insights into the key factors affecting your creditworthiness. Accessible through the Citi Mobile® App and Citi® Online.
Protect your account with Fraud Early Warning, which monitors for any suspicious activity. You’ll be promptly contacted to verify it and take necessary action to safeguard your account.
From music and sports to culinary experiences, the Citi Entertainment program offers exclusive access to a variety of events and experiences.
Exploring choices?
The Capital One SavorOne Cash Rewards Credit Card presents a compelling alternative, providing cashback rewards on dining, entertainment, and groceries. New cardholders can also benefit from a one-time bonus offer.
