Citi Custom Cash credit card review: Full details

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Citi Custom Cash Card introduction

The Citi Custom Cash® Card is a strong cash-back card without yearly charge. This card distinguishes itself from various other alternatives on the marketplace by supplying the special capacity to make approximately 5% back on your leading investing group each invoicing cycle approximately the initial $500 invested, after that 1% back afterwards. Whether you’re a credit card beginner or desire a card that will certainly assist you make best use of acquisitions that do not suit various other typical incentive groups, you’ll wish to take into consideration including this card to your purse. Card ranking*: ⭐⭐⭐⭐

* Card ranking is based upon the point of view of TPG’s editors and is not affected by the card company.

The Citi Custom Cash Card has no yearly charge yet takes a various method from the company’s prominent Citi Double Cash® Card (with approximately a 2% cash-back price on all acquisitions, 1% when you purchase and 1% as you pay, see prices and costs).

With this card, you’ll make 5% cash back on acquisitions in your leading qualified investing group each invoicing cycle, approximately the initial $500 invested.

We usually advise that candidates have a credit rating of 670 or greater to boost their opportunities of authorization. Let’s evaluation this card and see that it is best for.

The details for the Citi Custom Cash Card has actually been gathered individually by The Points Guy. The card details on this web page have actually not been evaluated or supplied by the card company.

Citi Custom Cash advantages and disadvantages

Pros Cons
  • This card permits you to make approximately 5% back on your leading investing group each invoicing cycle on approximately the initial $500 invested
  • No yearly charge
  • Introductory APR deal on acquisitions and equilibrium transfers
  • Light on various other advantages
  • Has international deal costs

Citi Custom Cash welcome deal

The Citi Custom Cash Card features a conveniently possible welcome deal — make $200 cash back, after investing $1,500 on acquisitions in the initial 6 months of account opening. This reward deal will certainly be satisfied as 20,000 factors, which can be retrieved for $200 cash back.

THE FACTORS MAN

This deal approaches various other no-annual-fee, cash-back cards. While it’s definitely not one of the most superior deal, the sign-up incentive is a great little motivation to use.

This is the common deal seen on the card and has actually been for time currently.

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Citi Custom Cash advantages

The Citi Custom Cash is light on advantages, which isn’t unexpected considering that there’s no yearly charge.

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However, there are a couple of rewards and vital protection attributes:

Earning cash back on the Citi Custom Cash

Each invoicing cycle (approximately each month approximately), you’ll make 5% cash back on the initial $500 of acquisitions in your leading investing group from the adhering to listing:

*Select transportation is specified as cars and truck services, ferryboats, traveler trains, metros, taxis/limousines/car solutions, traveler trains, bridge and roadway tolls, car park lots/garages, bus lines, and recreational vehicle and rv services. Also consists of vendors that market electrical power for billing an electrical car. Excludes bike/scooter services, car clubs and insurer.

**Select traveling is specified as airline companies, resorts, cruise ship lines and travel bureau.

***Select streaming solutions are specified as wire, satellite and streaming companies such as Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, FuboTV, Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TELEVISION, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube Television, and Tidal.).

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This card absolutely deals with your way of living, whether you’re jet-setting one month or food preparation it up in the cooking area the following. If you max out the $500 investing restriction each invoicing cycle, you’ll make $25 in cash-back benefits each month — for a possible optimum of $300 in benefits every year.

There is no demand to preselect your leading investing group monthly — this card will instantly pick that group.

For all various other groups, you’ll make 1% endless cash back. You’ll additionally make an extra 4% cash back on resorts, cars and truck services, and destinations scheduled on the Citi Travel℠ site with June 30, 2026.

One TPG viewers suches as to utilize the Citi Custom Cash to make even more cash-back benefits since the card “covers spend categories I don’t get on other cards.” (by means of a TPG e-newsletter study)

Note: Reader-sent actions have actually not been modified, evaluated or accepted by the companies neither show TPG’s viewpoints of these cards.

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The Citi Custom Cash is a strong alternative to obtain one of the most out of your most constant investing group, also if it’s usually tough to make raised benefits because group on many various other cards.

Redeeming cash back on the Citi Custom Cash

To placed it in easy terms, 1 Give thanks toYou factor relates to 1 cent of cash back compensates. That indicates you’ll make 5% back (or 5 factors per buck) on the initial $500 invested in your leading qualified investing group.

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There’s no minimal equilibrium you require to get to prior to accessing your benefits — which isn’t the instance for several cash-back cards. You can ask for a declaration credit or straight down payment any time. However, if you’re asking for a check, there is a minimal benefit equilibrium of $5 (or 500 factors).

If you’re including the Citi Custom Cash in addition to your Citi Strata Premier℠ Card (see prices and costs) or Citi Prestige® Card, you can additionally open the alternative to transform your factors right into miles with Citi’s resort and airline company transfer companions to draw out possibly better worth from them.

The details for the Citi Prestige has actually been gathered individually by The Points Guy. The card details on this web page have actually not been evaluated or supplied by the card company.

Which cards take on the Citi Custom Cash Card?

There are several alternatives on the marketplace for those that wish to stay clear of paying a yearly charge completely.

  • If you desire less complex benefits: Try the Citi Double Cash® Card (see prices and costs). This card is superb for novices considering that you’ll make 1% when you purchase and 1% when you settle your costs (for a total amount of 2% cash back on all your acquisitions). Plus, you’ll take pleasure in the uncapped earning possibility on the Double Cash if your investing goes beyond the $500 restriction on the Custom Cash. For even more details, review our full evaluation of the Double Cash.
  • If you desire turning benefits: Go for the Chase Freedom Flex®. This card additionally has no yearly charge, and you’ll make 5% back on approximately $1,500 in acquisitions on turning incentive groups each quarter you turn on — which damages down to approximately $500 in investing monthly. Chase will certainly establish the incentive groups each quarter, yet in the past, we have actually seen usual suppliers such as Amazon, home enhancement shops and filling station consisted of in these turning groups. For even more details, review our full evaluation of the Freedom Flex.
  • If you favor Capital One: The Capital One Venture Rewards Credit Card uses 5 miles per buck invested in resorts, getaway services and rental autos scheduled with Capital One Travel and 2 miles per buck invested in all acquisitions and features a $95 yearly charge. Best of all, you can move miles to Capital One’s 15-plus airline company and resort companions for better benefits. For even more details, review our full evaluation of the Venture Rewards.

For added alternatives, take a look at our full listing of the most effective cash-back cards.

Related: How I’m making best use of the Freedom Flex’s turning groups in the last quarter of 2024

Is the Citi Custom Cash worth it?

If your investing practices transform often, investing a great deal on one group one month and a various group the following, after that Citi Custom Cash is a great selection for you. It has adjustable benefits that match your investing patterns.

The highlight is that the procedure is automated, implying you just need to invest cash in a details group to make sufficient cash back. However, if you desire a card with several additional advantages, you’ll require to look in other places.

Bottom line

The Citi Custom Cash Card is a fantastic selection for a cash-back card, as you’ll acquire real adaptability to make benefits depending upon your investing practices. Adding the Custom Cash might additionally be a great concept for existing Citi cardholders looking for to optimize their benefits with the Citi Say Thanks ToYou program.

Related: The full overview to Citi Say Thanks ToYou Rewards: How to make, retrieve and move factors



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