Learn more about Citi Custom Cash Credit Card and know how you can apply!
The Citi Custom Cash Credit Card is a great card for everyday purchases. It offers unlimited 1% cash back, with no annual fee. If you’re looking for a pratical and secure cash back card, this could be ideal for you.
You can earn cash back everytime you use your credit card, that can be redeemed as a statement credit, direct deposit, check, gift cards, travel or shop with points at Amazon.com. You can earn unlimited 1% cash back on all of your purchases. Want to learn more about it? Keep reading and get to know its benefits and how to apply!
What are the benefits of Citi’s Custom Cash Credit Card?
- Earn a $200 cash rewards bonus when you spend $1,500 in purchases in the first 6 months;
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter;
- Earn unlimited 1% cash back on all your purchases;
- No Annual Fee;
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 19.24% – 29.24%;
- Automatic Account Alerts;
- Digital Wallets;
- Contactless Pay;
- The Citi Mobile App gives you access to your account virtually anywhere, anytime;
- Choose to pay your bill on any available due date in the beginning, middle or end of the month;
- Mastercard ID Theft Protection;
- $0 Liability on Unauthorized Charges: you’re completely protected against unauthorized charges on your account;
- View your FICO Score anytime, with no impact to your score;
- Fraud Early Warning monitors your account for suspicious activity;
- Use Citi Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption;
- 24/7 Customer Service;
- Through the Citi Entertainment program you can enjoy access to music, sports, culinary experiences and more — from virtually anywhere.
Pros vs Cons?
| ✔️ PROS | ❌ CONS |
| No Annual Fee |
5% Balance Transfer Fee |
| Internacional Coverage |
3% International Transaction Fee |
| Unlimited 1% Cash Back |
Not many other benefits |
How do I apply for the Citi Custom Cash Credit Card?
To be eligible for this credit card, all you need is to be over 18 and have a Fair/Good/Excellent Credit Score. Here’s how it works:
Citi provides an online application process. So, access their credit card website and click on the option: “Apply Now”. During the application, you must provide any personal and financial information requested.
Then the bank will conduct a creditworthiness assessment to evaluate your credit history, income stability, and repayment capacity. This assessment helps determine the likelihood of credit card approval. Keep in mind that, the approved credit limit will also depend on it.