Looking for a credit card that rewards your spending? The Citi Custom Cash Card gives 5% cash back on your top spending category. It’s perfect for earning rewards on your daily purchases.
Applying for the Citi Custom Cash Card is easy. You can do it online.
Once approved, you’ll get your card to use for your daily needs.
Its benefits and rewards make it a great choice for maximizing cash back.
Key Takeaways
- Submit your application online for the Citi Custom Cash Card.
- Earn 5% cash back on your top spending category.
- The card is designed for everyday purchases and offers tailored rewards.
- Upon approval, you’ll receive your card ready to use.
- The application process is straightforward and convenient.
Understanding the Citi Custom Cash Card
Looking for a cash back credit card that fits your spending? The Citi Custom Cash Card from Citi banking is a great choice. It offers flexibility and rewards for your daily purchases.
The Citi Custom Cash Card has a unique rewards system. It lets you earn cash back in the categories where you spend the most. Here are some key benefits:
- Earn 5% cash back on your top spending category each billing cycle, up to $500 spent.
- Enjoy 3% cash back at supermarkets, restaurants, gas stations, travel, and select transit and streaming services, on the first $6,000 spent combined in these categories per year.
- Get 1% cash back on all other purchases.
It’s also important to know the fees of the Citi Custom Cash Card. Some of these include:
- Annual fee: $0
- Balance transfer fee: 3% of the amount transferred, with a minimum of $5.
- Foreign transaction fee: 3% of each transaction.
Understanding the features, benefits, and fees of the Citi Custom Cash Card helps you decide if it’s right for you.
Preparing for Your Citi Custom Cash Card Application
Getting ready for your Citi Custom Cash Card application is key. You need to check your credit score, gather important documents, and know the eligibility rules.
Checking Your Credit Score
Your credit score is crucial for getting the Citi Custom Cash Card. You can get your score for free from Experian, TransUnion, or Equifax. A high score can really help your chances.
Gathering Required Documents
To apply for the Citi Custom Cash Card, you’ll need some documents. These include:
| Document Type | Description |
|---|---|
| Identification Proof | Driver’s License, Passport, or State ID |
| Income Proof | Pay Stub, W-2 Form, or Tax Return |
| Address Proof | Utility Bill, Lease Agreement, or Bank Statement |
Understanding Eligibility Criteria
Citi has specific rules for the Custom Cash Card. You must be at least 18, have a valid Social Security number, and meet income standards. Knowing these rules helps you see if you qualify before you apply.
By taking these steps, you’ll be ready for your Citi Custom Cash Card application. This increases your chances of getting approved.
Step-by-Step Application Process for the Citi Custom Cash Card
Starting your Citi Custom Cash Card application is easy. Just a few clicks and you’re on your way. The steps are simple, making it quick to apply.
Creating a Citi Account
To start, create a Citi account if you don’t have one. You’ll need to give basic info like your name, email, and password. It’s a quick step to help Citi manage your application securely.
Filling Out the Application Form
After setting up your account, you’ll get to the Citi Custom Cash Card application. You’ll need to share personal and financial details. This includes your income, job status, and social security number. It’s important to fill this out right to avoid delays.
- Personal details: name, address, date of birth
- Financial information: income, employment status
- Identification: social security number
Double-check your application before moving on.
Submitting Your Application
After filling out the form, review your info one last time. If everything looks good, submit your application. Citi will then review it and let you know via email or mail.
- Review your application for accuracy
- Submit your application
- Wait for Citi’s decision
By following these steps, you can confidently apply for the Citi Custom Cash Card. The process is designed to be easy. With the right info, you can quickly apply.
After You Apply: What to Expect Next
You’ve applied for the Citi Custom Cash Card. Now, let’s talk about what happens next. Citi will review your application to see if you qualify for the card.
After you apply, Citi checks the info you gave them. They look at your credit score, income, and other important details. This is to make sure you fit their criteria for the Citi Custom Cash Card.
The time it takes for Citi to review your application can vary. You might get a decision in a few minutes or a few days. This depends on how complex your application is and Citi’s processes.
Factors Affecting Your Application Decision
Several things can affect whether you get the card. These include:
- Your credit score and history
- Income level and stability
- Existing debt obligations
- Credit inquiries and new credit accounts
If you get approved, you’ll get your Citi Custom Cash Card in the mail. You’ll also get instructions on how to activate it. If you’re denied, Citi will tell you why and give you a chance to apply again in the future.
Citi might ask for more info or documents during the review. Being ready and quick to respond can help speed up the process.
Knowing what to expect after applying for the Citi Custom Cash Card helps you plan better. It makes the process smoother and more manageable.
Receiving and Activating Your New Card
After your credit card application is approved, you’ll get your new Citi Custom Cash Card in the mail. To use your cash back credit card, you must activate it.
Activating your card is easy. You can do it online or by phone. Just follow the steps given with your card to activate it and set up your PIN.
Once activated, you can start making purchases and earning rewards. To get the most rewards, use your Citi Custom Cash Card for your biggest expenses each month.
By using your card wisely, you’ll enjoy its benefits fully. This way, you can get the most out of your credit card rewards.
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FAQ
What is the Citi Custom Cash Card?
The Citi Custom Cash Card is a credit card from Citi. It gives you 5% cash back on your top spending category. This makes it a great choice for earning rewards on your purchases.
How do I apply for the Citi Custom Cash Card?
To apply for the Citi Custom Cash Card, first create a Citi account. Then, fill out the application form. Finally, submit your application on the Citi website.
What are the eligibility criteria for the Citi Custom Cash Card?
To get the Citi Custom Cash Card, you need to meet Citi’s credit and income standards. These requirements can change based on your credit score and other factors.
How long does it take to receive a decision on my Citi Custom Cash Card application?
The time to get a decision on your application varies. But, you can usually expect to hear from Citi within a few minutes to a few days after applying.
How do I activate my new Citi Custom Cash Card?
To activate your new card, follow Citi’s instructions. This might involve calling a number or activating online through your Citi account.
What is the rewards structure of the Citi Custom Cash Card?
The Citi Custom Cash Card gives you 5% cash back on your top spending category. You get up to $500 in combined purchases in bonus categories each billing cycle. And, you earn 1% cash back on all other purchases.
Are there any fees associated with the Citi Custom Cash Card?
The Citi Custom Cash Card has no annual fee. However, you might face other fees like interest charges, late fees, or foreign transaction fees. These depend on how you use the card and your payment habits.
