Citi Custom Cash Card Review
The Citi Custom Cash Card offers competitive cashback rewards with no annual fee. Discover the card's benefits, how it stands out among cashback cards, and what cardholders can expect in terms of rewards and benefits.
The Citi Custom Cash Card was a relatively new credit card from Citibank. Please note that card offerings and terms can change over time, so it's essential to check the latest information and reviews to ensure that the card still aligns with your needs and preferences. That said, here's a general overview of the Citi Custom Cash Card based on the information available at that time:
Cashback Rewards: The Citi Custom Cash Card was designed to offer cashback rewards, with a unique feature that allows cardholders to earn cashback in categories they spend the most in. It offers 5% cash back on your top eligible spending category (up to $500 spent each billing cycle), 1% cash back on all other purchases, and a $200 cashback bonus after spending $750 on purchases in the first 3 months.
No Annual Fee: This card typically came with no annual fee, making it a cost-effective choice for those looking to earn cashback without paying for the privilege.
0% Intro APR: The card might have offered a 0% introductory APR for a certain period on purchases and balance transfers, allowing you to save on interest charges if you need to carry a balance.
Flexible Redemption: Cashback earned could be redeemed in the form of a statement credit or a check.
Citi Entertainment: Cardholders might have access to special event and concert ticket pre-sales through Citi Entertainment.
Contactless Payments: The card might have been compatible with contactless payment methods for added convenience and security.
It's important to note that the 5% cashback category changes based on your spending patterns, so it's designed to adapt to your lifestyle. However, the specific eligible categories and terms could have evolved since my last update.
Before applying for this or any other credit card, it's a good idea to check Citibank's official website or contact their customer service for the most current information on benefits, terms, and any changes to the card's features. Additionally, reading recent reviews and comparing the Citi Custom Cash Card with other credit card options can help you determine if it's the right fit for your financial needs and spending habits.
What are the key features of the Citi Custom Cash Card, and how does it compare to other cashback credit cards?.
Key features of the Citi Custom Cash Card:
- 5% cash back on your top eligible spending category each billing cycle, up to $500 (then 1% back).
- Unlimited 1% cash back on all other purchases.
- No annual fee.
- 0% introductory APR for 15 months on purchases and balance transfers.
- Access to World Elite Mastercard benefits, such as travel insurance, concierge services, and discounts on car rentals and hotels.
- Your top spending category is automatically updated each billing cycle based on your spending habits.
How the Citi Custom Cash Card compares to other cashback credit cards:
The Citi Custom Cash Card is one of the few cashback credit cards that offers a high rewards rate in a variety of spending categories, without having to activate rotating bonus categories. This makes it a good option for cardholders who want to earn rewards on their everyday spending, without having to worry about keeping track of which categories are eligible for bonus rewards each quarter.
Other cashback credit cards that offer a high rewards rate in a single spending category include the Blue Cash Preferred® Card from American Express, which offers 6% cash back on groceries (up to $6,000 per year), and the Discover it® Cash Back card, which offers 5% cash back on rotating bonus categories that change each quarter.
However, these cards both have annual fees, while the Citi Custom Cash Card does not. This makes the Citi Custom Cash Card a good option for cardholders who want to earn high rewards without paying an annual fee.
Overall, the Citi Custom Cash Card is a good option for cardholders who want to earn high rewards on their everyday spending, without having to worry about rotating bonus categories or paying an annual fee.