Citi Custom Cash Card Cash Back Rewards Review

The Citi Custom Cash credit card is a choice, for people who want to earn rewards on their purchases without having to pay a fee. What sets this card apart is its ability to adjust to the users spending habits by offering a 5% cash on purchases in their top spending category each billing cycle up to $500 spent. This unique rewards system caters well to individuals with spending habits and preferences.

In addition the Citi Custom Cash card also appeals to those in saving on interest with its APR offer. This feature gives users a period of interest rates, which can be helpful for new purchases and balance transfers providing flexibility in managing finances. With a mix of features focused on convenience and value this card is particularly beneficial for budget individuals looking to maximize rewards, without expenses.

Citi Custom Cash Card Overview

The Citi Custom Cash Card is a cash, back credit card that tailors rewards based on your spending patterns. Each month you automatically earn 5% cash back in your spending category like dining, groceries, gas or streaming services up to a specific spending limit. This personalized feature allows you to maximize rewards in the area where you spend the most.

Additionally the card offers 1% cash on all other purchases ensuring consistent rewards for all your expenses. A notable aspect is that the card has no fee making it a budget friendly option for users looking to earn rewards without charges. With its tailored rewards and cost effective nature the Citi Custom Cash Card is a choice, for individuals seeking versatility and value in their credit card.

Key Features:

• No Annual Fee;
• Welcome Offer; Get $200 cash back when you spend $1,500 on purchases in the 6 months of opening your account;
• Introductory APR; Enjoy an introductory APR for the initial fifteen months on all purchases and balance transfers.

Rewards System:

• Cash Earn 5% cash on purchases in your top spending category each billing cycle up to the first $500 spent then 1% after that;
• Get unlimited 1% cash back on all other purchases;
• Spending Categories include restaurants, gas stations, grocery stores, select travel options and more.

Interest Fees:

• Intro APR; 0% for the 15 months on both purchases and balance transfers;
• Regular APR; Variable based on creditworthiness and market rates;
• Balance Transfer Fee; Either $5 or 3% of each transfer amount whichever’s higher;
• Foreign Transaction Fee; A charge of 3% of each purchase transaction, in US dollars.

Application Process

When you sign up for the Citi Custom Cash credit card you can expect an easy process that can be completed online. To start you’ll need to share your details, like your name, address, income and social security number. After submitting the form Citi will review your application, which includes checking your credit to determine if you qualify.

One great thing about the Citi Custom Cash card is that it doesn’t have a fee making it a budget friendly choice for people looking to earn rewards without any expenses. With this card you’ll automatically get 5% cash back on your spending category every billing cycle up, to a certain limit.. You’ll earn 1% cash back on all other purchases so you can rack up rewards across different spending areas.

Once your application is processed and accepted your new Citi Custom Cash card will be sent to you by mail so you can start earning rewards. Overall the application process is user centric and efficient offering applicants a way to get the card and enjoy its perks.

To qualify for the Citi Custom Cash credit card you need to meet criteria:

• Age; You must be least 18 years old;
• Credit Score; Generally a good, to excellent credit score is required;
• Residency; You must be a legal resident of the United States.

Here are the steps to apply for the Citi Custom Cash credit card;

Online Application:

1. Go to the Citi website;
2. Fill out. Submit the application form with your financial details.

By Phone:

• Alternatively you can apply by calling Citibank at 1 (888) 201 4523;
• Follow the instructions provided during the call to give all information.

Managing Your Card

Effectively managing the Citi Custom Cash Card involves keeping an eye on your spending habits and customizing the cards features to get the most out of rewards and perks. It’s important for cardholders to track their expenses to figure out which qualifying category – like groceries, dining or gas – earns them the 5% cash back each billing cycle ensuring they take full advantage of this tailored rewards program.

Moreover using the cards tools and mobile app, for real time monitoring of transactions, balances and earned rewards can help users optimize their spending tactics. Setting up alerts, for account activities can give reminders about payment deadlines and expenditure limits making it easier to stay in control of finances. By managing the cards features and staying informed cardholders can fully enjoy the rewards and absence of an annual fee offered by the Citi Custom Cash Card resulting in a more gratifying credit card experience.

Managing Your Citi Custom Cash Card Online

Easily handle your Citi Custom Cash Card using the platform. With account management you can:

• Check your transaction history;
• Make payments;
• Schedule payments;
• Track your cash back rewards.

This user friendly platform gives you complete control over your account.

Customer Support

Citi offers customer service assistance, for the Custom Cash Card through avenues:

• Phone; Reach out to customer service representatives round the clock;
• Chat; Get support for instant help;
• FAQs; Access a list of asked questions for self assistance.

Count on these support systems for any questions or concerns related to your card.

Adjusting Your Credit Limit

If you need to make changes to your Citi Custom Cash Cards credit limit follow these steps:

• Request an increase through your account management portal;
• Contact customer service to discuss eligibility and possible limit adjustments.

Please note that any increases are subject, to credit approval and evaluation of your creditworthiness.

Pros and Cons

The Citi Custom Cash Card offers a personalized cash back rewards system every billing cycle, up to a certain spending limit. This personalized approach allows you to maximize rewards based on your spending habits, making it a flexible option for cardholders.

Advantages

• Earn 5% cash back: Cardholders benefit from earning 5% cash back on their top spending category up to the first $500 each billing cycle, then 1% thereafter.
• No annual fee: It helps users save money as there is no cost for the annual maintenance of the card.
• Flexibility in rewards: Automatically adjusts to cardholders’ spending behaviors, providing cash back on relevant categories.
• Introductory APR: Offers 0% interest on balance transfers for the first 15 months (then a variable APR based on creditworthiness applies).

Disadvantages

• Cap on high-earning rewards: The 5% cash back rate is limited to the first $500 spent in the top spending category each billing cycle.
• Complexity: Understanding the reward categories and restrictions may be confusing for some users.
• Balance transfer fees: There are fees associated with balance transfers even during the introductory period.
• Variable APR: After the introductory period ends, the APR can be relatively high depending on creditworthiness.