What is the Citi Custom Cash credit card?
The Citi Custom Cash card automatically adjusts your 5% cash back category each billing cycle based on your top eligible spending, so you don't have to manually select or activate categories.
The 5% cash back rate applies to the first $500 spent in your top category each billing cycle, after which you earn 1% back on those purchases.
The eligible 5% cash back categories include popular everyday spending like restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, and home improvement stores.
Citi analyzes your previous billing cycle's spending to determine your 5% cash back category for the current cycle, ensuring you earn the maximum rewards.
Unlike some rotating category cards, the Citi Custom Cash card has no activation required to earn the 5% back - it's automatic.
The card comes with a 0% intro APR on purchases and balance transfers for the first 15 months, after which a variable APR of 19.24% - 28.24% applies.
Cardholders can redeem their cash back in the form of statement credits, gift cards, or other rewards options through the Citi rewards portal.
There is no annual fee for the Citi Custom Cash card, making it a cost-effective option for earning rewards on everyday spending.
The card provides additional benefits like extended warranty protection, damage and theft protection, and access to Citi Entertainment music, sports, and dining experiences.
Citi Custom Cash is a Mastercard, which is accepted at a wide range of merchants worldwide compared to some other credit card networks.
The card's 5% back on up to $500 in your top category each month can potentially earn you $300 in cash back annually if you maximize the bonus.
Citi Custom Cash is often compared to other popular cash back cards like the Chase Freedom Flex and Citi Double Cash, each with their own unique features and benefits.
The automatic 5% cash back category adjustment sets the Citi Custom Cash apart from cards that require you to manually activate or select bonus categories each quarter.
Citi uses advanced analytics to determine your top spending category, ensuring you earn the maximum 5% cash back without any effort on your part.
The Citi Custom Cash card can be a valuable tool for consumers looking to streamline their credit card strategy and maximize rewards on common everyday purchases.
Unlike some rewards cards, the Citi Custom Cash has no caps or limits on the total 1% cash back you can earn on non-bonus category spending.
Citi's mobile app and online account management tools make it easy for cardholders to track their spending, redeem rewards, and manage their Citi Custom Cash account.
The card's competitive APR range and lack of an annual fee make it an attractive option for those looking to earn cash back without incurring high ongoing costs.
Citi Custom Cash is part of Citi's broader suite of credit card offerings, which includes other popular products like the Citi Double Cash and Citi Rewards+.
While the 5% cash back category may change each month, the consistently high rewards rate on your top spending makes the Citi Custom Cash a versatile and rewarding credit card option.