Citi Custom Cash offers September 2024

People who love earning cash back with their credit card will love the Citi Custom Cash? Card * The information for the Citi Custom Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . This card lets consumers rack up more rewards in the category they spend the most in each month, and a solid introductory interest rate offer can also help save on interest when you make purchases or use your card for a balance transfer.

If you’re in the market for a cash back credit card with no annual fee, here’s everything you need to know about this offering.

Key details of the Citi Custom Cash Card

• 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel? portal through 6/30/2025.
• New card holders can earn $200 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.
• $0 annual fee.
• 0% introductory APR for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After that, the variable APR will be 19.24% - 29.24%, based on creditworthiness. There is also a balance transfer fee of 5% of each balance transfer; $5 minimum.

How the Citi Custom Cash Card works

At first glance, the Citi Custom Cash Card looks similar to other cash back cards that earn 5% back in quarterly bonus categories, such as the Chase Freedom Flex?* or the Discover it? Cash Back. However, the Citi Custom Cash Card offers a lot more flexibility when it comes to its 5% back categories and how you use them.

With the Citi Custom Cash Card, card holders 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel? portal through 6/30/2025. Eligible 5% back categories include gas stations, restaurants, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement, fitness clubs and live entertainment.

But unlike other cards with rotating 5% cash back categories, Citi Custom Cash Card holders don’t have to “enroll” in preset categories to maximize their 5% back in rewards. Instead, you’ll automatically earn 5% back in your top eligible spending category every billing cycle, and your category will change with you each cycle as your spending changes.

How much can you earn in bonus rewards? Since the 5% back is capped at $500 in spending per billing cycle, this means you can earn a maximum of $25 back in the 5% bonus categories per month, or a total of $300 in rewards in your top spending categories every 12 months.

The Citi Custom Cash Card earns its rewards in the form of Citi ThankYou? points, which can be converted to cash back or redeemed for gift cards, merchandise or travel at a rate of 1 cent per point. So if you make a $100 purchase in a 5% category, you’ll earn 500 points that can be redeemed for $5 in cash back.

But when you combine the Citi Custom Cash Card with a premium Citi ThankYou card, such as the Citi Prestige? Card or Citi Premier? Card * The information for the Citi Premier? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , you gain the option to transfer your ThankYou points to any of Citi’s 16 airline partners, making the points worth potentially more than 1 cent each if you use them strategically.

A welcome bonus and an introductory APR offer

It’s always great to see a no-annual-fee credit card come with a sign-up bonus, and on that front, the Citi Custom Cash Card doesn’t disappoint. New card holders can earn $200 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.

Like the card’s everyday cash back, this bonus is awarded in the form of ThankYou points, so once you’ve met the spending requirement, you’ll earn 20,000 ThankYou points that can be redeemed in the same manner as the card’s other rewards.

New card holders who get the Citi Custom Cash Card can access an introductory 0% APR on both purchases and balance transfers for the first 15 months after opening the account. However, it’s important to pay off your debt in full before the introductory period ends, because after that, you’ll pay a 19.24% - 29.24% (Variable) depending on your creditworthiness.

It’s also important to keep in mind that if you’re using the introductory 0% APR for a balance transfer, you must complete the transfer within the first four months after opening the account. Also, a 5% balance transfer fee applies (with a $5 minimum), which makes this option slightly less attractive when compared to other balance transfer credit cards that charge only a 3% fee.

How does the Citi Custom Cash Card compare to other Citi credit cards?

We’ve already talked about how the Citi Custom Cash Card compares to other credit cards with rotating 5% categories, but how does it stack up against other credit cards from Citi?

One of the most direct comparisons is with the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . The Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. earns 2% back on all purchases — 1% when you make a purchase and another 1% when you pay it off. The Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. also has no annual fee and comes with an introductory 0% APR offer on balance transfers for the first 18 months after you open the account (followed by a 19.24% - 29.24% Variable APR).

While the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. ’s flat rewards rate makes the card a great everyday choice, it’s worth noting that its introductory APR doesn’t apply to purchases — only balance transfers — so the Citi Custom Cash Card has a leg up on that front. However, the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. only charges a 3% balance transfer fee (with a $5 minimum) when you use it to consolidate debt.

Another Citi credit card worth a look is the Citi Rewards+? Card * The information for the Citi Rewards+? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , which also has no annual fee. New card holders can start by earning 20,000 bonus points after you spend $1,500 on eligible purchases within the first three months after opening the account. Plus, as a special offer, earn a total of 5 ThankYou? Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.

From there, card holders earn 2 ThankYou Points per dollar at supermarkets and gas stations for the first $6,000 in spending per year and 1 ThankYou Point per dollar on other eligible purchases, plus 5 ThankYou? Points per dollar on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025. But the Citi Rewards+ also rounds up all purchases to the nearest 10 points, so a $1 coffee earns 10 points, while a $22 dinner with friends garners 30 points.

Citi Rewards+ card holders also get 10% of their points back on the first 100,000 Citi ThankYou points they redeem each year. And like the Citi Custom Cash Card, the Citi Rewards+ offers a 0% introductory APR on both purchases and balance transfers for the first 15 months after opening the account, followed by 18.74% - 28.74% Variable APR.

Who should consider the Citi Custom Cash Card?

Since this is a card that has no annual fee, the Citi Custom Cash Card can work for almost anyone. However, the flexibility of its 5% back categories makes it a superior option for people who don’t typically like the set-in-stone 5% back categories of the Chase Freedom Flex or the Discover it Cash Back.

Meanwhile, consumers looking to save money on interest can also consider the Citi Custom Cash Card for its introductory 0% APR offer on purchases and balance transfers, then 19.24% - 29.24% (Variable) (though it’s better for purchases than balance transfers due to the 5% balance transfer fee). In either case, keep in mind that the 0% APR lasts for a limited time, and any remaining balance will accrue enormous interest charges if it’s not paid off in full before the introductory rate expires.

In the end, like all credit cards that only earn 1% cash back outside of their bonus categories, the Citi Custom Cash Card is best used in conjunction with an everyday card like the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . Pop both cards in your purse or wallet and reach for the Citi Custom Cash Card when you’re paying for a purchase that falls into your favorite 5% bonus category, and the Citi Double Cash? Card * The information for the Citi Double Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. for everything else. You won’t have to pay an annual fee for either card, and you’ll have the best of both worlds.