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0%About Citi Bank
Citi is recognized globally as a reliable and innovative financial institution. With decades of experience in banking and credit, they offer tailored credit card solutions to customers with varying needs. The Citi Custom Cash reflects this innovation by helping cardholders earn cashback effortlessly, adapting to their unique spending habits.Citi Custom Cash Card Advantages
See below the main differences that make this credit card one of the most sought after from Citi bank:1. 5% Cashback on Your Top Spending Category
The Citi Custom Cash Card automatically rewards you with 5% cashback on your highest spending category each billing cycle. Categories include restaurants, grocery stores, gas stations, fitness clubs, live entertainment, and more, with cashback rewarded on up to $500 in spending monthly.Unlimited Cashback on All Other Purchases
Enjoy 1% unlimited cashback on all your other purchases without any limits.No Annual Fee
A card with premium features and no annual fee? That’s right! You can maximize rewards without worrying about yearly costs.Low Introductory APR
The card also offers a competitive intro APR for purchases and balance transfers, perfect for managing expenses without immediate financial pressure.Flexible Redeeming Options
Cashback is earned as Citi ThankYou® Points and can be redeemed for a statement credit, direct deposit, gift cards, or even travel expenses.Additional Card Benefits
Beyond cashback, the Citi Custom Cash Card offers features to make life easier and safer for its cardholders, such as:- Security Features like $0 liability for unauthorized charges and fraud early warning.
- Convenience with contactless payments and flexible payment due dates.
- Financial Insights including free access to your FICO® score and spending analysis via the Citi Mobile® App.
- Fun Perks like access to exclusive entertainment events through Citi Entertainment®.
Benefits of the Mastercard Partnership
The Citi Custom Cash® Card is a Mastercard product, which means you gain access to Mastercard-exclusive benefits, including Mastercard ID Theft Protection and 24/7 global assistance. These additional perks provide peace of mind and add value to your credit card experience.Who Should Consider the Citi Custom Cash?
This card is ideal for individuals who want a low-maintenance credit card that rewards their spending habits without the hassle of signing up for bonus categories every month. It’s a great fit for cashback enthusiasts, frequent diners, and anyone wanting rewards across diverse spending categories. If earning flexibility and avoiding annual fees sound appealing, this card could be a perfect addition to your wallet!What Are the Requirements to Apply?
To apply for the Citi Custom Cash® Card, you’ll need to meet the following requirements and provide necessary documentation for approval.Eligibility Requirements:
- At least 18 years of age (or 21 years in Puerto Rico).
- A good or excellent credit score is often preferable for approval.
- U.S. citizenship, permanent residency, or a valid U.S. address.
Necessary Documents:
- A valid Social Security number or Taxpayer Identification Number (TIN).
- Proof of income to demonstrate your ability to manage credit.
- Basic personal identification, such as name, address, and date of birth.
How to Apply for the Citi Custom Cash Card
Applying for the Citi Custom Cash Card is simple. Here’s how to get started in four easy steps!- Step 1: Gather Your Information: before applying, make sure you have all your documents handy, including proof of income and identification details.
- Step 2: Visit the Citi Website: head over to the Citi Custom Cash webpage where you’ll find all the details about the card.
- Step 3: Complete the Online Application: click "Apply Now" and fill in the required fields, including personal information, employment details, and any additional data requested. The online application process is secure and takes only a few minutes to complete.
- Step 4: Wait for Approval: Citi’s application process provides a response in under a minute, though certain cases may take longer. If approved, your Citi Custom Cash Card should arrive in 7–10 business days.