About the Card
The Citi Custom Cash Credit Card is a versatile cashback credit card designed to adapt to your spending habits.
With a unique rewards structure that automatically adjusts to your highest spending category, it offers a personalized experience for those looking to earn more cash back on everyday purchases.
This card is particularly attractive for consumers who want to maximize their rewards without managing multiple cards or complicated reward categories.
Who Should Consider This Card?
The Citi Custom Cash Credit Card is ideal for individuals who have varied spending patterns and prefer a card that customizes its rewards.
It is best suited for shoppers who spend a significant amount on one category each billing cycle, whether it be groceries, dining, gas, or travel.
If you appreciate a flexible rewards system and want a credit card that tailors its benefits to your unique lifestyle without an annual fee, then this card is an excellent choice.
Main Benefits of the Card
- Customizable Cashback Rewards: Earn up to 5% cash back on your top eligible spending category each billing cycle, up to a monthly cap, and 1% on all other purchases.
- No Annual Fee: Enjoy the card’s rewards and benefits without the worry of an annual fee, making it a cost-effective option for everyday spending.
- Flexible Redemption Options: Cash back rewards can be easily redeemed as a statement credit, offering flexibility in managing your expenses.
- Real-Time Rewards Tracking: Access your rewards balance and monitor your spending habits through Citi’s online platform and mobile app.
- Personalized Experience: The card automatically adjusts to your highest spending category, ensuring you always get maximum rewards based on your lifestyle.
Additional Features and Protections
- Fraud Protection: Benefit from advanced security measures, including real-time fraud monitoring and a zero-liability policy for unauthorized transactions.
- Purchase Protection: Many purchases are covered against damage or theft for a limited period after purchase, adding an extra layer of security.
- Extended Warranty: Enjoy extended warranty protection on eligible products, doubling the manufacturer’s warranty period.
- Travel Assistance: Receive travel benefits such as emergency card replacement and travel accident insurance, ensuring you are covered during your journeys.
Fees and Interest Rates
- Annual Fee: $0 – There is no annual fee, which makes the card a budget-friendly option.
- Introductory APR: The card offers a competitive introductory APR on purchases and balance transfers, giving you time to manage expenses.
- Standard APR: After the introductory period, a variable APR applies, typically ranging based on your creditworthiness.
- Balance Transfer Fee: A fee is charged for balance transfers, which is common among cashback credit cards.
- Foreign Transaction Fee: Purchases made abroad may incur a fee, so it might not be the best option for frequent international travelers.
Is the Credit Card Worth It?
Overall, the Citi Custom Cash Credit Card is a smart choice for consumers who value a flexible, high-reward structure without paying an annual fee.
Its ability to automatically adjust and provide up to 5% cash back on your top spending category makes it especially appealing for those with varying monthly expenses.
While the standard APR can be high if you carry a balance, responsible use and paying your balance in full each month can help you maximize rewards without incurring significant interest charges.
If you are looking for a personalized rewards card that adapts to your lifestyle, this card is definitely worth considering.
Fees and charges
APR: 0% Intro APR for 15 months on purchases and balance transfers; then 18.24%–28.24% variable APR. Transfers must be done within 4 months;
Balance Transfer Fee: $5 or 5% per transfer.
Expert review
The Citi Custom Cash Credit Card is an excellent option for consumers seeking a dynamic cashback rewards structure.
Its standout feature is the 5% cashback on the top eligible spending category each billing cycle, making it highly adaptable.
With no annual fee and a competitive introductory APR, it appeals to budget-conscious users.
However, the spending cap on bonus rewards and a foreign transaction fee may limit its appeal for big spenders or international travelers.
Overall, it's a flexible and rewarding choice for everyday expenses.
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+Pros
- 5% Cashback on the top eligible spending category each billing cycle (up to $500 in purchases).
- No Annual Fee, making it a cost-effective option.
- 1% Unlimited Cashback on all other purchases.
- Introductory 0% APR on purchases and balance transfers for 15 months.
- Flexible Rewards that automatically adjust to your spending habits.
- Cons
- 5% Cashback is Capped at $500 per billing cycle, after which it drops to 1%.
- Foreign Transaction Fee of 3%, making it less ideal for international use.
- Limited Category Options for 5% cashback, which may not fit all spending habits.
