Earn cash back on your daily purchases with the Citi Custom Cash Card. It’s a versatile cash back credit card designed to reward you for your spending habits.
This card offers 5% cash back on your top eligible spend category. You also get 1% cash back on all other purchases. It’s a great choice for those wanting to maximize their credit card rewards.
The rewards program is simple and straightforward. You can enjoy the benefits of earning cash back without the complexity often found in credit card rewards.
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Key Takeaways:
- Earn 5% cash back on your top eligible spend category.
- Receive 1% cash back on all other purchases.
- Enjoy a simple and straightforward rewards program.
- Maximize your credit card rewards with the Citi Custom Cash Card.
- Benefit from a cash back credit card that adapts to your spending habits.
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Understanding the Citi Custom Cash Card
The Citi Custom Cash Card offers a special cash back program. It's tailored to fit your spending habits. This card aims to give you a flexible and rewarding experience.
This card has a 0% intro APR for 15 months on purchases and balance transfers. It's great for big purchases or paying off debt. After the intro, the APR will depend on your credit score.
Key Features and Benefits
- Earn 5% cash back on your top spending category each billing cycle
- Earn 3% cash back on dining, entertainment, and travel
- 0% intro APR for 15 months on purchases and balance transfers
- No rotating categories or spending limits on cash back earnings
| Feature | Benefit | Details |
|---|---|---|
| Cash Back Rewards | Earn on purchases | 5% on top spending category, 3% on dining, entertainment, and travel |
| Intro APR | 0% for 15 months | On purchases and balance transfers |
| Annual Fee | 0 | No annual fee |
The Citi Custom Cash Card is easy to understand. It doesn't have rotating categories or spending limits on cash back. This makes it simple to see how much you're earning and plan your finances.
Cash Back Rewards Structure
It's important to know how the Citi Custom Cash Card works to get the most out of it. You can earn 5% cash back on your top eligible spend category each month. This is up to $500 spent in that category. Plus, you get 1% cash back on all other purchases.
Eligible Spend Categories Explained
The Citi Custom Cash Card lets you pick one category for 5% cash back each month. You can choose from grocery stores, gas stations, restaurants, travel, and more. The card picks your top category based on how much you spend there.
| Category | Examples | 5% Cash Back |
|---|---|---|
| Grocery Stores | Supermarkets, grocery stores | Up to 500 spend |
| Gas Stations | Fuel stations, gas stations | Up to 500 spend |
| Restaurants | Dining establishments | Up to 500 spend |
How the Billing Cycle Tracking Works
The billing cycle is key to understanding when you get cash back. The Citi Custom Cash Card watches your spending each month. It finds your top category and calculates your cash back at the end.
For instance, if grocery stores are your top category, you get 5% cash back on those purchases up to $500. If you spend $600, you get 5% on the first $500 and 1% on the last $100.
Getting cash back with the Citi Custom Cash Card is easy. The card adjusts to your spending each month. By knowing how it tracks your spending, you can make the most of your cash back.
How the Citi Custom Cash Card Works in Practice
The Citi Custom Cash Card offers a unique cash back rewards program. It's tailored to give you cash back on your daily purchases. This makes it perfect for those who want to earn cash back on their everyday spending.
The card also has a contactless pay feature. This lets you make payments quickly and securely by tapping your card. It's not just convenient but also helps keep your card germ-free.
Along with contactless pay, the Citi Custom Cash Card has many other benefits. These include:
The Citi Mobile App lets you manage your account anywhere. You can track your rewards and get important updates. The app also helps you:
- Monitor your account activity
- Pay your bill
- Track your rewards progress
- Receive personalized offers
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The card also offers protection features. For example, zero liability protection means you're not responsible for unauthorized transactions. Plus, you can earn cash back on your purchases. This cash back can be used for statement credits, gift cards, or other rewards.
Here's a comparison of the Citi Custom Cash Card's features:
| Feature | Description | Benefit |
|---|---|---|
| Contactless Pay | Make payments by tapping your card | Convenient and secure |
| Citi Mobile App | Manage your account on the go | Track rewards, pay bill, and receive notifications |
| Zero Liability Protection | Protection against unauthorized transactions | Peace of mind |
| Cash Back Rewards | Earn cash back on your purchases | Redeem for statement credits, gift cards, or other rewards |
The Citi Custom Cash Card combines these features for a seamless experience. It's great for everyday purchases and bill payments. The card's benefits and features work together to offer convenience, protection, and support.
Card Benefits and Features
The Citi Custom Cash Card offers more than just cash back rewards. It comes with a range of benefits and features that make your credit card experience better. One big plus is its support for modern payment methods.
Digital Wallets and Contactless Pay
You can link your Citi Custom Cash Card to digital wallets like Apple Pay, Google Pay, or Samsung Pay. This makes it easy to make contactless payments. Just tap your device to pay, and enjoy a secure and convenient transaction.
Citi Mobile App and Account Alerts
The Citi Mobile App lets you manage your account from anywhere. You can track your spending, pay bills, and set up account alerts. These alerts notify you of big transactions or when payments are due. This keeps you on top of your finances.
Along with these features, the Citi Custom Cash Card offers other benefits for a smooth credit card experience. Here's a quick look at some key benefits:
| Feature | Description | Benefit |
|---|---|---|
| Digital Wallets | Add your card to Apple Pay, Google Pay, or Samsung Pay | Contactless payments for convenience |
| Citi Mobile App | Manage your account, track spending, and pay bills | Easily monitor and control your finances |
| Account Alerts | Set up notifications for large transactions or payment due dates | Stay informed and avoid late fees |
The Citi Custom Cash Card combines these features for a comprehensive and easy-to-use credit card experience. Whether you're shopping online, in-store, or traveling abroad, this card is designed to meet your financial needs.
Conclusion: Is the Citi Custom Cash Card Right for You?
The Citi Custom Cash Card offers a unique cash back rewards structure. It can benefit many consumers. When looking at this card, compare it to other cash back credit cards.
This card is special because you earn cash back in your top spending category. It has a competitive rewards rate and no rotating categories. This makes it a good choice for those who want a simple cash back experience.
Think about your spending habits and financial goals before deciding. If you like simple and flexible cash back rewards, this card might be for you. Knowing the card's benefits and features helps you make a choice that fits your needs.
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FAQ
What is the Citi Custom Cash Card's cash back rewards structure?
The Citi Custom Cash Card gives you 5% cash back on your top spend category each cycle. You also get 1% cash back on all other purchases.
How do I determine my top eligible spend category for the 5% cash back?
The Citi Custom Cash Card finds your top spend category for you. It looks at your spending in the billing cycle.
What is the intro APR offer for the Citi Custom Cash Card?
The Citi Custom Cash Card has a 0% intro APR for 15 months. This applies to purchases and balance transfers.
Can I use the Citi Custom Cash Card with digital wallets?
Yes, you can use the Citi Custom Cash Card with digital wallets. This includes Apple Pay, Google Pay, and Samsung Pay for easy contactless payments.
How can I manage my Citi Custom Cash Card account?
You can manage your account with the Citi Mobile App. It lets you track spending, get alerts, and make payments.
How long does it take to get a response when applying for the Citi Custom Cash Card?
You'll get a response in under a minute when applying for the Citi Custom Cash Card.
What kind of protection does the Citi Custom Cash Card offer?
The Citi Custom Cash Card has many protection features. This includes account alerts and zero liability protection.
Are there any fees associated with the Citi Custom Cash Card?
Check the card's terms and conditions for any fees. This includes foreign transaction fees or late fees.
