>

Advantages of Hiring the Best Citi Custom Cash

Have you heard about the Citi Custom Cash card, but not quite sure what are the advantages of hiring the best Citi Custom Cash? Are you looking for a Card that provides maximum benefits? Then this article is for you.

Citi Custom Cash Card
Card Details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000
No Annual Fee.1
CITI WILL ONLY ISSUE ONE CITI CUSTOM CASH SM
CARD ACCOUNT PER PERSON

Citi Custom Cashโ„  Card

Whatโ€™s So Great About Citi Custom Cashโ„  Card?

The Citi Custom Cash Card is a prepaid card that offers more rewards than your everyday card. It provides a flexible way to earn cash back and redeem gift cards and other goods.

There are no annual fees, no balance requirements, and no rotating bonus categories to sign up for.

Instead, you can earn up to 5% cash back on your spending in each category you choose, up to $500. This lets you maximize your rewards without ever having to sign up for rotating bonus categories.

Do you ever wonder which types of stores offer discounts? We did too, so we put together a list of which types of stores offer discounts and where you can find them.

This list is limited to eligible categories, which is why it is not comprehensive. If a store is not on the list, you can still search for it and find the amount of savings that the store offers.

This is a list of eligible categories that includes charities, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

This is a cashback card that offers an unlimited 1% cash back on all other purchases and an unlimited 5% on all purchases at gas stations and restaurants.

Additional features of Citi Custom Cashโ„  Card

With the Chase Freedomยฎ card, you can earn a $200 bonus after you spend $1,500 on purchases in the first 6 months of account opening.

This is the perfect card for people who typically carry a balance on their cards, as the card has a 0% introductory APR for 15 months on purchases as well as on balance transfers that are completed within four months of the account opening.

After that, the APR is 16.99% – 26.99% (Variable), based on your creditworthiness. You can also find a card with a great introductory interest rate for balance transfers. Not only will you save money on interest, but you’ll also save on fees.

The Citi Custom Cash Card is a reloadable prepaid card that gives cardholders access to a number of benefits, including fraud monitoring, free FICO score access, and $0 liability on unauthorized purchases.

Cardholders can also add authorized users at no cost and earn points on the purchases they make.

Some credit card issuers offer a variety of rewards cards that offer rewards and benefits for specific types of spending.

This can be a good option for consumers who need a card that offers incentives for a variety of categories of spending.

This is especially true for consumers with good to excellent credit, who want a card that does not charge an annual fee.

The Citi Custom Cash Card is a rewards card that offers consumers a flat 2% cash back on all purchases. This card is also available with a $0 introductory annual fee for the first year.

Pros and Cons of CitiCustom Cash Card

Pros of Citi Custom Cash CardCons of Citi Custom Cash Card
No annual fee.
No annual fee required 
High APR
High APR has been reported to be anywhere from 23.99% to 29.99%. 
No sign-up
No sign-up is required for rotating bonus categories

Cashback
The card earns 5% cash back on the first $15,000 spent
in the first 3 months


ThankYou Points
ThankYou points for each $1 spent on purchases at
supermarkets and gas stations.


Combine points.
It means if you also have a  Citi Prestige or Citi Premier card, combining your points lets you transfer points to Citi travel partners.
Limited Bonus rates
The bonus rate is limited to $ 500 per billing cycle, which applies to the top spending category

No transfer partners
The Citi Custom Cash cannot transfer to Citi travel partners without a combination of points.

Annual fee
Card imposes a $35 annual fee

Low rate cash
Low rate of cash back outside your 5% category for the month.

Foreign transaction fees
3% Foreign transaction fees

Rates and Fees

RatesFees
Name of Issuer
Citi
Purchases Intro APR
0% for 15 months
Credit needed
Excellent, Good
Balance Transfer Fee
The balance transfer fee applies to this
offer 5% of each balance transfer; $5 minimum.
Annual Fee
$0
Balance Transfer Intro APR
0% for 15 months
APR
16.99% – 26.99% (Variable)
Advance Cash Fee
5% of each advance cash; $10 minimum
Penalty APR
Up to 29.99% (Variable)
Foreign Transaction Fee
3%

Comparing Citi Custom Cash Card, Citi Double Cash Card, and Chase Freedom flex cards

Citi Custom CashCiti Double Cash Card Chase Freedom flex
1Annual fee
Good to excellent credit, no annual fee.
Annual fee
Good to excellent credit, no annual fee.
Annual fee
Good to excellent credit, no annual fee.
 Sign-up bonus
 Citi Custom Cash Cardholders can earn $200 in cash back after they spend $1,500 on 6 months of account opening
 Sign-up bonus
18-month BT offer, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening 
Sign-up bonus
Chase Freedom Flex earns 5% cash back on up to $1,500 in combined purchases in bonus categories you activate quarterly; 5% back on travel purchased
Rewards
The Citi Custom Cash Card earns 5% cash back on purchases up to the first $500 spent, then 1% cash back after that. One
also earn an unlimited 1% cash back on all other purchases.
Rewards
The Citi Double Cash Card – 18-month BT offer earns 2% on every purchase: an unlimited 1% when you buy and 1% when you pay back your purchase.
Rewards
3% back on dining, including takeout and eligible delivery services; 3% back on drugstore purchases; and 1% back on all other purchases.
Benefits
The Citi Custom Cash Card offers a 15-month 0% introductory APR on purchases and balance transfers (completed within four months of account opening)
Benefits
The 18-month BT offer offers an 18-month 0% introductory APR on balance transfers (completed within four months of account opening). 
Benefits
The Chase Freedom Unlimited card offers several helpful travel protections, including Trip cancellation and trip interruption insurance. It covers up to $1,500 per person or $6,000 per trip. Also servers Secondary auto rental collision damage waiver.

Fees Associated With the Citi Custom Cash Card

Annual fee
No annual fee for this card. Roughly estimated two-thirds of credit cards donโ€™t charge an annual fee, according to 2019 studies.
Balance transfer fee
5 % of the fee for each balance transfer, with a $5 minimum.
Foreign transaction fee
This card has a 3% foreign transaction fee. Nearly half of all cards in the U.S. News analysis charge a foreign transaction fee of 3%.
Cash advance fee
This card has a fee of 5% for each cash advance, with a $10 minimum

How to redeem rewards with the help of the Citi Custom Cash Card?

ThankYouยฎ Points are a digital reward program offered by ThankYou.com that allows members to earn points for making purchases or engaging with the company through social media, websites, and mobile apps.

Members earn points for every dollar spent, which can be redeemed for cash back as a direct deposit, check, or statement credit. Points can also be redeemed for gift cards and travel or used on Amazon.com and PayPal.

What is the APR of the Citi Custom Cash Card?

Even though it is easy to spend a lot of money on credit cards, it can also be difficult to pay them off. In addition, you might want to avoid using a credit card if you have a bad credit history.

If this sounds like you, then you might want to look into a credit card with an introductory zero percent APR offer.

With these cards, you are able to buy things without worrying about the cost. This credit card has a 0% introductory APR for 15 months on purchases and on balance transfers completed within four months of account opening.

After that, it has a 16.99% – 26.99% (Variable) APR, depending on your creditworthiness.

What is the credit limit for the Citi Custom Cash Card?

In the world of credit cards, there are countless options for financial transactions. You can choose from a wide range of cards with different features, such as cashback, travel rewards, and others.

The Citi Custom Cash Card is a credit card that offers an interest-free period of up to 18 months and a 0% introductory APR on purchases.

The card also offers cash rebates on purchases and a zero liability policy, should you ever lose your wallet. If you think you might be interested in this card, read on to learn more about the Citi Custom Cash Card, which offers a lot of features for the price.

You may also like 5 Best Credit Cards For students in 2022

Conclusion

We hope you enjoyed our blog about the Citi Custom Cash Card! There are many people who struggle to find a good card for them, so we wanted to share our opinion about this card with you in an informative, nonbiased way.

We hope that you will find it helpful, and please let us know if you have any questions or comments. Good luck with your Citi Custom Cash Card!

Leave a Comment