Citi
Citi Custom Cash® Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $200 cash back bonus |
| Rewards Rate | 1%-5% Cash Back |
| Intro APR | 0% for 18 months on balance transfers from date of account opening |
| Regular APR | After the introductory period ends, a variable APR of 17.49% - 27.49%, based on your creditworthiness, applies to unpaid promotional balances and new balance transfers. The variable APR for purchases is 17.49% - 27.49%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 17.49% - 27.49%, based on creditworthiness. The variable APR for cash advances is 29.74%. Variable Penalty APR up to 29.99% and applies if you pay late or your payment is returned. |
| Other Fees | 5% ($5 minimum) of each transfer, completed within first 4 months of account opening 5% ($5 minimum) of each transfer Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee - either $5 or 5% of the amount of each transfer, whichever is greater. Minimum interest charge – $0.50. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. |
| Network | Mastercard |
About this card
The Citi Custom Cash Card is a mixed bag. Its standout feature is the 5% cash back on a top spending category, which can be very valuable for users who can maximize this benefit. The lack of an annual fee is also a significant advantage. However, the high APR is a major drawback, especially for a card targeting users with good to excellent credit. While the reputation is generally solid, the issuer's customer service receives mixed reviews. Considering the strong rewards program, the offsetting high APR, and other fees, the card earns an overall rating of 3.3, placing it in the 'Good' category. The card is a good choice for those who can pay their balance in full each month and take advantage of the 5% cash back category.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
Things to consider
- High regular APR
- Limited rewards categories
- Foreign transaction fees apply
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn $200 cash back bonus after you spend $1,500 on purchases in the first 6 months of account opening.2
Rewards
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
- Earn unlimited 1% cash back on all other purchases.
- Earn 4% additional cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ site.
Other features
- No Authorized User fee
- $0 liability on unauthorized charges
- Extended warranty
- Citi® Merchant Offers
- Mastercard® ID Theft Protection
- Citi Entertainment®
- Access FICO® Score
- Citi® Quick Lock
- 24-hour fraud protection
- Automatic account alerts
- Choose your payment due date
- Paperless statements and e-communications
- Citi Mobile® App
- Contactless pay
- Digital wallets
- 24/7 Customer service
- Citi® Flex Pay
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. Bonus ThankYou Points are not available if you received a new account bonus for a Citi Custom Cash® Card in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Custom Cash® Card.