Citi Custom Cash Credit Card - Ujemax

Citi Custom Cash Credit Card

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Citi Custom Cash Credit Card is a great option for anyone who wants simple, automatic rewards. It gives 5% cashback on your top spending category each month without extra steps.

You’ll also get a $200 bonus after spending $1,500 in six months, plus 0% intro APR for 15 months on purchases and balance transfers.

Want to know why this card is so popular? Keep reading and see what makes it a standout choice.

About the Issuer

The Citi Custom Cash Credit Card is issued by Citibank, one of the largest and oldest banks in the U.S. With a strong foothold in the financial industry, Citibank offers robust customer service and advanced digital tools.

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As part of the global Citigroup network, it supports fraud monitoring, real-time alerts, and zero liability on unauthorized transactions – making it a secure option for everyday use.

Citi also provides access to your FICO® credit score, letting you track your financial health within the app. Overall, Citibank’s reputation and services make Citi Custom Cash a reliable and trustworthy credit card.

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Benefits of the Card

5% Automatic Cashback: Earn 5% cashback on your top eligible spending category each billing cycle (up to $500/month). No need to enroll or switch categories — it adjusts automatically.

1% on All Other Purchases: Earn unlimited 1% cashback on everything else you buy, with no caps or restrictions.

$200 Welcome Bonus: Receive a $200 cash bonus after spending $1,500 in the first 6 months of account opening.

0% Intro APR for 15 Months: Enjoy 0% intro APR on purchases and balance transfers for the first 15 months.

No Annual Fee: Get all these rewards and features without paying a yearly fee.

Contactless Payment Support: Pay quickly and securely with tap-to-pay technology built into your card.

Free FICO® Score Access: Track your credit health through your Citi dashboard at no extra cost.

Fraud Protection and Real-Time Alerts: Get notified instantly of any suspicious activity and lock your card through the app.

Quick Lock Feature: Temporarily lock your card if it’s misplaced, while keeping subscriptions and recurring payments active.

Flexible Redemption Options: Redeem cashback as a statement credit, direct deposit, or check — it’s up to you.

Fees and Rates

The Citi Custom Cash card has a 0% intro APR for 15 months on purchases and balance transfers made within 4 months of account opening. After that, a variable APR of 18.24% to 28.24% applies, based on your credit profile.

Cash advances have a 29.49% APR and a fee of $10 or 5% of the amount. Balance transfers also have a fee of $5 or 5%. The penalty APR can reach up to 29.99% for late or returned payments.

There is no annual fee. Foreign transactions have a 3% fee, and a minimum interest charge of $0.50 may apply. Terms are subject to change — review current rates before applying.

Credit Limit

The starting limit for the Citi Custom Cash card is based on your credit profile, including your income, credit score, and current debt level. Limits vary from person to person.

Citi may increase your limit automatically with responsible use. You can also request a review after several months of on-time payments and account activity.

Positive points
  • Automatic cashback:
    5% cashback on your top spending category each month, with no manual selection.
  • No annual fee:
    Enjoy all features and rewards without paying a yearly fee.
  • 0% intro APR:
    0% interest on purchases and balance transfers for 15 months.

Negative points
  • 5% cashback cap:
    The 5% rate is limited to $500 in monthly spending, then drops to 1%.
  • Foreign transaction fee:
    3% fee applies to purchases made outside the U.S.
  • No travel perks:
    Lacks travel-specific benefits like lounge access or flight credits.

How to Apply for the Citi Custom Cash

  1. Visit Citi’s official website and find the Citi Custom Cash card page.
  2. Click “Apply Now” and fill in your personal, employment, and income details.
  3. Review the terms and submit your application.
  4. Wait for approval — you might receive an instant decision or be asked to provide extra info.
  5. If approved, your digital card is instantly available in the app.
  6. The physical card will arrive in about a week.
  7. Activate the card once it arrives and start using it.
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How to Contact Citibank

You can contact Citi for help with your credit card through the following channels:

  • Phone: 1‑800‑950‑5114
  • Customer Service: 1‑800‑950‑5114
  • Online Chat: Available 24/7 via Citi’s website or app

The Citi Custom Cash card offers a perfect mix of simplicity, value, and flexibility. With automatic cashback rewards, a strong welcome bonus, and a helpful 0% intro APR period, it’s an excellent fit for everyday use and smart spending. Apply and start maximizing your rewards!

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Posted on Jul 1, 2025 at 10:08 PM

Felipe Camilo

With over 7 years of experience in writing and content marketing, I focus on delivering informative and optimized blog content that meets both reader needs and search engine standards. I help businesses grow by creating clear, concise, and actionable articles that drive conversions and build brand authority.

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