Citi Custom Cash℠ Credit Card Features & Benefits

Summary

The Citi Custom Cash℠ Credit Card is an extremely useful and rewarding cashback credit card for those who want to get easy rewards. Its standout feature is the 5% cashback on your highest spending category in a given billing period (up to $500 per month). That is, you don’t need to monitor or enroll categories—the card figures it out by itself based on where you are spending most.

One of the greatest advantages of this card is that there is no annual fee, so you get to maximize rewards without an added expense. In addition, new cardmembers can earn a $200 bonus (20,000 ThankYou® Points) when they make a minimum of $1,500 in purchases in the first 3 months. It also includes a 0% intro APR on balance transfers and purchases for 15 months, thus making it suitable for anyone looking to take a loan to make big purchases or require a balance transfer.

The Citi Custom Cash℠ Credit Card also accepts contactless payments and is backed by Apple Pay, Google Pay, and Samsung Pay for extra convenience. It also has $0 fraud liability and identity theft protection to ensure that your transactions are safe.

Introduction

Citi Custom Cash℠ Credit Card is a unique cashback credit card for customers who want to earn rewards simply. This credit card does not feature fixed reward categories like common cashback cards, which simply reward you with the most cashback on your most frequent spend category each billing cycle. This implies that you will not need to bother making bonus category selections—Citi does this on your behalf based on where you spend the majority of the time.

This is a perfect credit card for people with diversified spending. You may spend more on dining, entertainment, gas, or groceries, and the Citi Custom Cash℠ Card will adjust to fit your lifestyle. The card offers 5% cashback on your biggest eligible purchase category up to $500 per billing cycle) and 1% cashback on all else. The feature makes the card very flexible and rewarding for customers who do not want to track their expenses manually.

In addition to its amazing cashback rewards, the Citi Custom Cash℠ Card also has a 0% intro APR on purchases and balance transfers for a short time, so it’s a great choice if you’d like to buy big-ticket items or transfer a balance from another card. And no annual fees means you get rewards and benefits without paying a single extra penny.

If you’re seeking a trouble-free cashback card that adapts to your habits of shopping, the Citi Custom Cash℠ Credit Card is the one. It’s flexible, with automatic cash-back rewards and convenient benefits that boost daily spending to the fullest. Whether you do grocery shopping, travel, or online shopping, this card ensures you get maximum cashback without much effort.

What is the Citi Custom Cash℠ Credit Card?

The Citi Custom Cash℠ Credit Card is a unique cashback credit card that rewards you with benefits on your day-to-day purchases. The most wonderful thing about this card is that it automatically rewards you with 5% cashback on your biggest spending category each month. That means you don’t have to select or activate any bonus categories—the card selects them for you!

For instance, if you have spent the highest on eating out in a given month, you will receive 5% cashback on eating out (a maximum of $500 spent). If the following month you spend more on foodstuffs, the card will change and offer you 5% cashback on foodstuffs. You also receive 1% cashback on all your other expenditures.

How is the design of the Citi Custom Cash℠ Credit Card?

The Citi Custom Cash℠ Credit Card has a stylish and contemporary look. It has a smooth blue gradient finish that makes it have a professional and stylish appearance. It is built with quality material, ensuring that it is durable and convenient to carry. The logo of Citi is positioned at the top left edge, and the name of the card is printed boldly in the middle.

It also features contactless payment, which enables you to quickly tap and pay at accepted terminals without inserting the card. This speeds up transactions and makes them more convenient. Generally, the appearance of the Citi Custom Cash℠ Credit Card is easy to use, classy, and straightforward.

What are the benefits of the Citi Custom Cash℠ Credit Card?

Following are some of the main advantages of actual reward points:

1. Earn 5% Cashback on Your Top Spending Category.

• Every billing cycle, you earn 5% cashback on your highest eligible spending category (up to $500 a month).

• This involves categories such as restaurants, groceries, gas stations, travel, transit, streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

• Example: If you pay $500 in dining within a month, you earn 2,500 points (equivalent to $25 cashback).

2. Earn 1% Cashback on All Other Purchas.es

• Purchases not in the 5% category will also earn 1% cashback.

• Example: If you spend $1,000 in miscellaneous shopping, you earn 1,000 points (equivalent to $10 cashback).

3. Welcome Bonus Offer

• New cardholders earn $200 cashback (20,000 ThankYou® Points) after spending $1,500 in the first 3 months.

• No Annual Fee

• There are no annual fees, so you receive cashback at no additional expense.

4. 0% Intro APR on Purchases & Balance Transfers

• 0% intro APR for 15 months, which makes it ideal for large purchases or balance transfers.

• After that, a variable APR will apply.

5. Contactless & Digital Wallet Payment

• You can tap-to-pay or use it with digital wallets such as Apple Pay, Google Pay, and Samsung Pay for convenient transactions.

6. Security & Protection Benefits

• $0 fraud liability: Unauthorized purchases will not be your responsibility.

• Citi Identity Theft Protection: Helps with monitoring and protection against identity theft.

What are the fees for the Citi Custom Cash℠ Credit Card?

Here is a simple Citi Custom Cash℠ Credit Card fee breakup.

Joining Fee	$0
Annual Fee	$0 (No annual fee, so you can keep the card without any cost).
Balance Transfer Fee	Introductory offer – 3% fee (minimum $5) if transferred within the first 4 months. After 4 months – a 5% fee (minimum $5).
APR (Interest Rate)	0% Intro APR on purchases and balance transfers for the first 15 months. After that, the regular variable APR ranges from 19.24% to 29.24%, depending on your creditworthiness.
Cash Advance Fee	5% of the amount withdrawn or $10 whichever is higher.
Late Payment Fee	If you miss a payment, the APR may increase (up to 29.99% variable APR). Late payment fee: Up to $41

What are the criteria for getting a Citi Custom Cash℠ Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Citi Custom Cash℠ Credit Card.

2. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

3. Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750. 

4. You must be a U.S. citizen resident and have valid address proof within the country. 

5. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

6. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Citi Custom Cash℠ Credit Card?

The documents that you will have to submit to Get a Citi Custom Cash℠ Credit Card are as below:

Identity Proof	Government ID (such as Driver’s License, State ID, or Passport). Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) (for verification purposes).
Address Proof	Present U.S. address (you need to be a resident of the U.S.). Lease agreement or utility bill (only if Citi requests proof of address).
Income Proof	Employer details (if employed). Estimated income annually (you may not have to show documentation, but Citi may verify). Bank statements or tax returns (asked sometimes if further verification is necessary).
Photograph	The latest passport-sized photograph

Where can the Citi Custom Cash℠ Credit Card be used?

Here’s where you can utilize it:

1. In-Store Shopping

• Spend it at grocery stores, restaurants, gas stations, retail outlets, and malls.

• Accepted at big stores such as Walmart, Target, Best Buy, and Costco (Visa establishments only).

2. Online Shopping

• Accepted on sites like Amazon, eBay, Walmart, and Best Buy.

• Spend it on food delivery (Uber Eats, DoorDash), streaming services (Netflix, Spotify), and memberships.

3. Travel & Hotels

• Book airline tickets, hotels, and cars using Expedia, Booking.com, or airlines.

• Foreign transaction fee-free – excellent when you’re overseas.

4. Contactless & Mobile Payments

• Compilers with Apple Pay, Google Pay, and Samsung Pay to easily make tap-to-pay payments.

5. Cash Withdrawals (Cash Advance)

• ATMs offer withdrawals in cash but have large fees with interest and should not be recommended.

What is the credit limit of the Citi Custom Cash℠ Credit Card?

The credit limit of the Citi Custom Cash℠ Credit Card will be based on your income, financial history, and credit score. Citi has no one-size-fits-all limit, but most commonly:

• The minimum credit limit will be $500–$1,000 for regular approvals.

• Most of the users with excellent credit (700+) receive limits of $3,000–$10,000.

• If you possess a great credit rating (750+) and good earnings, you could be approved with a higher credit limit (above $15,000).

How do you apply for a Citi Custom Cash℠ Credit Card?

You may apply for a Citi Custom Cash℠ Credit Card in two modes: Online (on the Citi website) and Offline (by contacting a Citi Bank).

Online Application Procedure (Easy & Quick)

• Go to the official website of Citi.

• Find the Citi Custom Cash℠ Credit Card under credit cards.

• You will be routed to the application form.

• Personal Information: Name, date of birth, Social Security Number (SSN), and phone numbers.

• Income Details: Your income value and job status each year.

• Current U.S. Address: Your present U.S. address.

• Process all information and approve.

• Citi will check your credit score and report before approval.

• You will get instant approval if you have excellent credit.

• If Citi requires checking more details, it will contact you in 7–10 business days.

• Your card will be delivered to your address in 7–10 business days if approved.

Offline Application Process (Visit a Citi Branch)

• Visit your local Citi Bank branch.

• Bring ID, proof of income, and SSN.

• Ask for a credit card application form.

• Give your financial and personal details.

• The bank representative will verify your documents and process your application.

• Citi will verify your credit score and accept or decline your application in a few days.

• Citi will mail your card if accepted.

Would getting a Citi Custom Cash℠ Credit Card in 2025 be right?

Yes, carrying the Citi Custom Cash℠ Credit Card in 2025 is a great choice if you want a no-annual-fee versatile cashback card. The card rewards you with 5% cashback on your top spending category each month (up to $500), which is ideal for individuals whose spending varies. No matter if you end up spending more on groceries, dining, gas, travel, or streaming services, this card adjusts to reward you.

It also comes with a 0% intro APR for 15 months, which would be helpful if you’ll be charging big-ticket items or transferring balances from another card. And, naturally, the $200 sign-up bonus (after purchase) is a nice extra.

Conclusion

The Citi Custom Cash℠ Credit Card is an ideal option for anyone looking to accumulate cashback without having to work for it. Other credit cards have you manually choose bonus categories or monitor spending limits, but with this card, you simply earn 5% cashback on your most-used category (up to $500) per month. With this card, you don’t have to fuss over activating rewards yourself—Citi takes care of it all.

One of the largest benefits of this card is that it doesn’t have an annual fee, so anyone who wants to save money while earning rewards will find this Credit card to be an affordable choice. That 0% intro APR for 15 months on purchases and balance transfers just makes it all the more attractive, particularly if you have a large purchase to finance or need to pay off an outstanding credit card balance without interest for several months.

Another excellent perk is the $200 sign-up bonus (20,000 ThankYou® Points) for new card members who spend the minimum in the first three months. This is a simple way to begin earning rewards immediately. Additionally, you keep earning 1% cash back on all other purchases, so you receive something back regardless of where you shop.

Frequently Asked Questions (FAQ’s)