Apply for the Citi Custom Cash Credit Card

The Citi Custom Cash Credit Card is an innovative credit card that offers a simple and flexible way to earn cashback.

With a 5% reward on a category of your choice, the card allows you to make the most of your frequent purchases, whether they are in restaurants, grocery stores, gas stations, or other areas that match your spending profile.

The card’s standout feature is its flexibility.

The 5% cashback category is not fixed, letting you choose the category that best suits your lifestyle.

Additionally, the cashback is automatic, meaning you don’t need to manually update your reward categories.

This means less effort to accumulate points while enjoying everyday benefits.

With additional benefits, such as no annual fee and the ability to earn rewards quickly, the Citi Custom Cash Credit Card stands out as an excellent option for those looking to save without worrying about complicated rewards processes.

Is This Card the Best Option for You?

The Citi Custom Cash Credit Card could be a great choice for you if:

  1. You value flexibility in cashback categories: With the ability to choose the 5% cashback category, you can tailor the card to your spending needs, whether at grocery stores, restaurants, or other areas of interest.
  2. You frequently shop in specific categories: If you spend a lot in certain categories, such as gas, transportation, or entertainment, this card can be an efficient way to maximize cashback benefits.
  3. You want a card with no annual fee: The Citi Custom Cash Credit Card does not charge an annual fee, making it an accessible option for those who prefer to avoid such costs.
  4. You prefer minimal management of reward categories: Unlike some cashback cards that require you to manually change the reward category, the Citi Custom Cash Credit Card updates it automatically, offering added convenience.

Negative Aspects to Consider

Although the Citi Custom Cash Credit Card is an excellent choice for many consumers, there are a few downsides to keep in mind:

  1. Limit on the 5% cashback category: The category offering 5% cashback is capped at $500 in purchases per month. After this limit, the cashback rate drops to 1%.
  2. Relatively high interest rates: Like most credit cards, the Citi Custom Cash Credit Card has interest rates that can be high if you don’t pay off your balance in full each month. The APR ranges from 15.24% to 25.24%, depending on your credit profile.
  3. Foreign transaction fee: If you travel abroad and make purchases in a foreign currency, you will be charged a 3% fee on the transaction amount.
  4. Requires good credit for approval: To qualify, you’ll need a good credit history, which could be a barrier for those with limited or newer credit profiles.

Requirements to Apply for the Credit Card

To apply for the Citi Custom Cash Credit Card, you must meet the following requirements:

  1. Minimum age of 18 years: You must be of legal age to apply for the card.
  2. Adequate credit history: You’ll need a good credit history to be approved. This card is ideal for those with good or excellent credit.
  3. U.S. residency: The Citi Custom Cash Credit Card is only available to U.S. residents.
  4. Stable minimum income: Although the bank does not specify an exact amount, you must demonstrate a stable minimum income to qualify.
  5. Financial information: During the application process, you will need to provide personal and financial information, such as your Social Security number, residential address, and financial details.

The application process is straightforward and can be completed online through Citi’s website or by phone.

After applying, you will quickly receive an approval or denial response.

Citi Custom Cash Credit Card
Citi Custom Cash Credit Card

Tracking Your Application

After applying for the Citi Custom Cash Credit Card, you can easily track the status of your application.

The approval process typically takes just a few days, and you can check your application status through your Citi account or by contacting customer service.

Keep an eye on updates to know whether your application has been approved or denied.

Costs Associated with the Credit Card

While the Citi Custom Cash Credit Card offers excellent benefits, there are some costs to consider:

  1. Interest rate (APR): The interest rate ranges from 15.24% to 25.24% per year, depending on your credit history.
  2. Foreign transaction fee: For purchases made in other countries, a 3% fee applies to the transaction amount.
  3. Late payment fee: If you fail to pay your bill on time, a late payment fee of up to $40 may be charged.
  4. Cash advance fee: If you take out a cash advance, you’ll be charged 5% of the withdrawn amount, along with interest on the cash advance balance.

Frequently Asked Questions About the Credit Card

Apply for the Citi Custom Cash Credit Card
Apply for the Citi Custom Cash Credit Card

How does the cashback on the Citi Custom Cash Credit Card work?

You earn 5% cashback on purchases in one category of your choice (such as grocery stores, restaurants, gas stations, etc.), up to a limit of $500 per month. After that, cashback drops to 1%.

What happens if I exceed the 5% cashback limit?

If you spend more than $500 in the 5% category, the cashback rate for that category will drop to 1% on the excess purchases.

What is the interest rate for the Citi Custom Cash Credit Card?

The interest rate ranges from 15.24% to 25.24% per year, based on your credit profile.

Does the Citi Custom Cash Credit Card have an annual fee?

No, the Citi Custom Cash Credit Card does not charge an annual fee.

How can I redeem my cashback rewards?

You can redeem your rewards as statement credits or for gifts and products through Citi’s portal.

Contact Information for the Card Issuer

If you have questions about the Citi Custom Cash Credit Card or need assistance, contact Citi through the following channels:

  • Phone: Call 1-800-950-5114 for customer service.
  • Website: Visit Citi’s website for more information about the card at www.citi.com.
  • Online Chat: Use the online chat available on Citi’s website for immediate assistance.

Conclusion

The Citi Custom Cash Credit Card is an excellent option for those seeking flexibility in their purchases and wanting to take advantage of cashback without worrying about fixed categories.

With 5% cashback in your chosen category and 1% on other purchases, along with no annual fee, it is an excellent way to maximize the benefits of your credit card.

However, be mindful of the interest rates and cashback limits to ensure the card meets your financial needs.

If you’re looking for a card that’s easy to use and offers great rewards, the Citi Custom Cash Credit Card is a fantastic choice!

4.4 de 5
Leave your comment
Do not send personal data such as CPF, DNI, or annual income.