Citi Custom Cash℠ Card

Citi Credit Cards is an Experian Partner

Citi Custom Cash℠ Card Apply Now
  • Rewards

  • Intro Bonus

  • 0% Intro APR

  • No Annual Fee

  • Balance Transfer

Recommended FICO® ScoreΘ Rating

Good - Exceptional

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  • Rewards

    Rewards, Intro Bonus, Cash back

  • Annual fee

    $0

  • Intro APR

    0% for 15 months on Purchases and Balance Transfers

  • Ongoing APR

    13.99% – 23.99% (Variable)

  • Balance transfer

    13.99% – 23.99% (Variable)

  • Intro Bonus

    Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Card details:
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • 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. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Rates and fees
Pros:
  • Cardholders automatically earn a higher cash back rate (5%) in the category where they’ve spent the most
  • Potential to earn an intro bonus worth $200
  • Lengthy 0% APR intro period on purchases and balance transfers
Cons:
  • Spending cap on 5% cash back category may limit your rewards earnings
  • 5% rewards categories may not align with your spending
  • Low base rewards rate

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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