Top Reasons to Get
Citi Custom Cash® Card
No Annual Fee
You don’t need to pay any annual fee if you get this high cash back card.
Citi Custom Cash® Card Welcome Bonus
Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro APR for 15 Months
If you are looking for a zero percent intro APR card with high rewards – look no further. You will get 0% intro APR for the first 15 months after you get the card.
How does Citi Custom Cash® Card work
In case you wonder how to use Citi Custom Cash, you earn cash back in two ways.
Get 5% cash back on up to $500 spent in the highest spend category every billing cycle. If you are thinking, what are the Citi custom cash categories – they include Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.
Other than the highest spend category, you also earn 1% back on all other purchases.
Pros and Cons of Citi Custom Cash® Card
Pros
- You can select any of these categories to maximize the cash back. The categories include grocery stores, restaurants, gas stations, streaming services, drugstores, fitness clubs, home improvement stores, live entertainment, and select travel and transit.
Cons
- Rewards are earned in the form of ThankYou Points, and you need to redeem them.
Is Citi Custom Cash® Card the Right Card for You?
Who doesn’t like the idea of getting 5% cash back in the category you spend the most on (on purchases up to $500)? If you like simple, hassle-free cash cards, then Citi Custom Cash® Card is a great option.
You also earn 1% back every time you swipe the card. For example, if you spent total $1,500 each month with $500 on a reward category such as restaurants or grocery stores or gas, in a year you will earn $500*5%*12 + $1,000*1%*12 = $420 – that’s nice.
What’s most appealing about this card is the automatically adjusted bonus category each month – that makes it stand out compared to other cards such as from Discover with fixed quarterly rotating categories and you need to activate the 5% cash back every quarter – and helps make the process of automatically earning high 5% cash back more smooth.
Though, some people may find it’s not the highest cash back credit card if you spend much more than $500 on one or more categories every month such as groceries or drug stores, as 5% cash back is capped at $500 for just one category – this may not be the case for most people.
Overall, it’s a great choice to earn 5% cash back with no annual fee, rewards that are easy to get. What’s not to like?
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any other entities.
