Are you in the market for a new card and considering the Citi Custom Cash® Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to other cards on the market.
First, let's cover the basics. In reviewing the card, we rated it a 4.7 out of 5.0, which means that like many other cards, we found the Citi Custom Cash® Card to have some solid benefits and some possible drawbacks.
If you're looking for a no-frills cash back card, this is a solid contender. We appreciate that you don't have to sign up for rotating bonus categories, and the issuer consistently sweetens the pot with special offers for new cardholders.
Next up, let's dive into the details you should consider before applying. Here's a rundown of the card's key features, rates, and terms:
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- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- 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. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
0% 15 months Purchases and Balance Transfers
0% 15 months Purchases and Balance Transfers
19.24% - 29.24% (Variable)
Excellent, Good, Fair
Additional Disclosure: Citi is a CardRates advertiser.
There's certainly a lot to like about the Citi Custom Cash® Card. But just like with other cards we review, we stress that potential applicants should pay attention to this card's rates and fees as part of the bigger overall picture.
Let's dive deeper into those rates and fees, as they could make or break whether owning the card makes sense for you and your financial situation.
The interest rate, also known as APR (annual percentage rate), tells you what percentage of your balance you can expect to pay in interest annually if you carry a balance.
According to the issuer, the Citi Custom Cash® Card currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: 0% 15 months Purchases and Balance Transfers
- Balance Transfer Intro: 0% 15 months Purchases and Balance Transfers
- Regular APR: 19.24% - 29.24% (Variable)
Another possible expense to consider is the annual fee, which is the amount a cardholder is required to pay each year for the privilege of owning a particular card.
Here's the annual fee for the Citi Custom Cash® Card as listed by the issuer:
See site for details »
So far, we've covered the Citi Custom Cash® Card in great detail, from its many benefits to its current rates and fees. But what are your odds of approval? What credit score is needed to become a cardholder?
According to the issuer, the current general credit history requirement for the card is:
- Credit Level: Excellent, Good, Fair
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the card is offering today, you may want to apply now to lock it in its current terms before it's too late.
We've discussed the many benefits, drawbacks, and requirements of the Citi Custom Cash® Card, but how does it rank versus similar cards on the market? Below are all the category-specific ratings our team gives the card, along with the card's ranking within each category.
Quick hint: Want to see our best-reviewed cards in each category? Simply click the category name to see our top picks:
All told, our team's review of the Citi Custom Cash® Card resulted in a rating of 4.7 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks. If you determine that it's a fit for your needs, you may want to apply soon, as terms throughout the industry change regularly.
We hope our guide has been helpful in learning all you need to know about the Citi Custom Cash® Card. We wish you the very best on your financial journey!
Be sure to visit the official website for Citi Custom Cash® Card to learn complete details about its features and terms. If you’re not quite sure if Citi Custom Cash® Card is right for you, we encourage you to check out these guides to popular alternatives:
Before applying for the Citi Custom Cash® Card offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.