Citi
Citi Custom Cash® Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | Low Intro APR on Balance Transfers for months. % Intro APR for months on balance transfers from date of account opening; after that, the variable APR will be % - %, based on your creditworthiness. Introductory rate of % for months from the date of account opening on purchases and an introductory rate of % for months from date of account opening for balance transfers completed within months of account opening. |
| Regular APR | after that, the variable APR will be % - %, based on your creditworthiness. Purchase Rate: % - % Variable APR, based on your creditworthiness. The standard variable APR for Citi Flex Plan is % to %, based on your creditworthiness. The standard variable APR for cash advances is %. The variable penalty APR is up to % and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge — $. |
| Other Fees | Fee for foreign purchases — % of each purchase transaction in US dollars. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. |
| Network | Mastercard |
About this card
The Citi Custom Cash Card is a solid offering with a unique rewards structure, offset by some drawbacks. Its standout feature is the 5% cash back on the top spending category, making it highly valuable for targeted spending. The lack of an annual fee enhances its appeal. However, the high APR and foreign transaction fees detract from its overall value. Citi's reputation for customer service is also a concern. Considering these factors, the card earns a 'Good' rating of 3.8, balancing its innovative rewards with some notable limitations.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
- Rotating bonus categories
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 $ cash back after you spend $ on purchases in the first months of account opening.
- This offer will be fulfilled as ThankYou Points, which can be redeemed for $ cash back.
Rewards
- Earn 5% cash back on your top eligible spend category each billing cycle up to $500 spent.
- Earn 1% cash back thereafter on all other purchases.
- Plus: Earn 4% additional cash back on hotels, car rentals, and attractions booked with Citi Travel.
- 5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.
Other features
- $0 Liability on Unauthorized Charges
- Automatic Account Alerts
- Tap Your Card with Contactless Pay
- Digital Wallets
- Bank anywhere with the Citi Mobile® App
- Choose Your Payment Due Date
- Mastercard ID Theft Protection
- Free Access to your FICO® Score
- Fraud Early Warning
- Citi® Quick Lock
- 24/7 Customer Service
- Citi Entertainment®
- Redeem your points for cash back as a statement credit, direct deposit or check.
- Add Authorized Users at no cost and earn points on purchases they make.
Additional Notes
Citi will only issue one Citi Custom Cash® Card account per person. 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. 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. Cash back is earned in the form of ThankYou® Points.