How does Citi Custom Cash work?

Check out more details and find out how to request now

To make everything as simple and practical as possible, Citi Custom Cash credit card performs the entire rewards system automatically. So, you don’t have to worry about having to keep activating the reward tiers and your only concern will be buying and earning your rewards.

As for its downsides, Citi Custom Cash doesn’t really have many of them. If you like to travel and are always in another country, you may be able to find more favorable options in this regard. In fact, there are other Citi credit cards that have greater benefits for travelers.

Overall, Citi Custom Cash is a simple card that doesn’t require much from the user, offering excellent benefits and rewards.

Learn more about the cashback for Citi Custom Cash

Everything about Citi Custom Cash is pretty simple. Its cashback system is broken down into 10 different daily spending categories:

• Entertainment;
• supplies;
• Trip type;
• Traffic;
• Gas station;
• Drugstores;
• DIY stores;
• streaming services;
• Fitness Clubs;
• Restaurants.

With every purchase you make on your credit card, it automatically selects one of the above categories and you start accumulating cashback points.

Another feature that shows how Citi Custom Cash thinks about what’s best for you is that every payment cycle, an update of the main billing category is performed.

That way, if you spent a lot going to the restaurant, but next month your biggest expense was on home shopping, don’t worry! The card will automatically adjust and you will receive your points in the category you are spending the most.

What is the signup bonus?

The sign-up bonus provided by Citi Custo Cash is this: after spending your first $750 on purchases within the first three months of purchasing your credit card, you receive $200 of cashback in the form of 20,000 points. So if you are looking to save on interest, this offer is a great option. That’s because you have 0% interest rates on purchases and balance transfers for 15 months.

Rates and fees for Citi Custom Cash

While there are no annual fees to worry about, here are the other fees and other charges you’ll need to pay:

• 14,24% to 24,24% APR after the first 15 months;
• 3% foreign transaction fee;
• 5% or $5 balance transfer after the intro period.

As the lead-in period is long, take advantage of the time you won’t have to pay fees to pay off your balance and avoid even higher interest later and balance transfer interest.

How can I apply for the credit card?

If you’re convinced that the Citi Custom Cash credit card is right for you, you’ll still need to fulfill one main requirement: have a good to excellent credit score. Otherwise, you will need to apply through the official Citi website.

If you already have a Citi credit card, you will not be able to apply for Citi Custom Credit for at least 48 months.

Step 1: Check Eligibility

1. Review Credit Requirements: Ensure you meet the credit score and income requirements. The Citi Custom Cash Credit Card generally requires a good to excellent credit score. Review your credit report to confirm your eligibility.
2. Verify U.S. Residency: You must be a U.S. citizen or a legal resident with a valid Social Security Number to apply for this card.

Step 2: Visit the Citi Website

1. Open Your Web Browser: Go to your preferred web browser and search for “Citi Custom Cash Credit Card” or visit the Citi website directly at www.citi.com.
2. Navigate to the Citi Custom Cash Card Page: On the Citi homepage, find the “Credit Cards” section and select “Citi Custom Cash Card” from the list of available credit cards.

Step 3: Review Card Details

1. Read About the Card Features: Take some time to review the card’s benefits, including cash back rewards on up to $500 spent in your top eligible spend category each billing cycle, and no annual fee.
2. Check Terms and Conditions: Familiarize yourself with the terms and conditions, including the APR, fees, and rewards program. Ensure that the card aligns with your financial needs and spending habits.

Step 4: Start Your Application

1. Click “Apply Now”: When you’re ready to apply, click the “Apply Now” button on the Citi Custom Cash Card page. This will direct you to the online application form.
2. Log In or Create an Account: If you already have a Citi account, log in using your credentials. If you’re a new applicant, you will need to create an account by providing your email address and setting a password.

Step 5: Complete the Application Form

1. Enter Personal Information: Provide your full name, date of birth, address, and Social Security Number. This information is necessary for identity verification and credit assessment.
2. Provide Financial Information: Input details about your income, employment status, and any existing financial obligations. This helps Citi evaluate your financial situation and ability to manage the card.
3. Review and Confirm Details: Double-check all the information you’ve entered to ensure accuracy. Correct any errors or omissions before submitting your application.

Step 6: Review and Submit Your Application

1. Agree to Terms and Conditions: Read and agree to the card’s terms and conditions, including understanding the APR, fees, and rewards program.
2. Submit Your Application: Once you’ve reviewed and confirmed all details, click the “Submit” button to send your application for processing.

Step 7: Await Approval

1. Receive Confirmation: After submission, you will receive a confirmation email indicating that your application has been received and is being processed.
2. Check Application Status: Citi may provide an instant decision or take a few business days to review your application. Monitor your email for updates on your application status.

Step 8: Activate Your Card

1. Receive Your Citi Custom Cash Card: If approved, you will receive your Citi Custom Cash Credit Card in the mail within 7-10 business days.
2. Activate Your Card: Follow the activation instructions provided with your card. This usually involves calling a phone number or visiting an activation website.
3. Start Using Your Card: Once activated, you can begin using your Citi Custom Cash Credit Card for purchases, earning cash back rewards, and enjoying the card’s benefits.

By following these steps, you can successfully apply for the Citi Custom Cash Credit Card and start taking advantage of its rewards and features.