The Ultimate Guide to Credit Cards
Wednesday, January 19, 2022

Citi Custom Cash℠ Card

► 2022 Review, Application & Rates

"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."
- Toby Sembower,
Advertiser Disclosure
Citi Custom Cash℠ Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

4.7/5.0
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 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 13.99% - 23.99%, 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 months Purchases and Balance Transfers
0% 15 months Purchases and Balance Transfers
13.99% – 23.99% (Variable)
$0
Excellent, Good

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #13 out of 17)
★★★★★
4.5
0% Intro APR
(Ranked #23 out of 35)
★★★★★
4.5
Best Overall
(Ranked #28 out of 151)
★★★★★
4.7
Cash Back
(Ranked #4 out of 47)
★★★★★
4.8
Excellent Credit
(Ranked #26 out of 61)
★★★★★
4.7
Good Credit
(Ranked #12 out of 63)
★★★★★
4.8
Low APR
(Ranked #26 out of 44)
★★★★★
4.5

Advertiser Disclosure

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