How to apply to Citi Custom Cash Mastercard

The Citi Custom Cash Card offers a unique rewards system that automatically maximizes your cash back based on your spending patterns each month.

The Citi Custom Cash Card is a Visa credit card issued by Citibank, one of the major banks in the US. It comes with no annual fee while providing up to 5% cash back on purchases. Read on to learn more about its standout benefits.

Benefits of Citi Custom Cash Credit Card

This City credit card is not just another cashback credit card. It can deliver some custom benefits to you and keep you impressed. Here are the main benefits of this credit card:

Earn 5% cash back on purchases in your highest eligible spending category each billing cycle, on up to $500 in spending. Eligible categories include dining, groceries, gas stations, travel, drugstores, and more;
All other purchases earn an unlimited 1% cash back with no caps;
0% Intro APR for 15 months on purchases and balance transfers;
$200 cash back bonus after spending $1,500 on purchases within 6 months of account opening;
Citi Entertainment – Access to purchase tickets to thousands of events and experiences;
Car Rental Insurance – Coverage for theft and collision damage when renting a vehicle;
24/7 Concierge Service – Get help booking travel, finding gifts, making dinner reservations, and more;
Citi® Identity Theft Solutions – Help detecting, responding to and resolving identity theft;
$0 Liability on Unauthorized Charges – 100% protection against unauthorized credit card charges.

Prerequisites

To qualify for the Citi Custom Cash Card, you’ll need good to excellent credit (scores around 700+). Approval odds increase even more with very good/excellent scores of 740+.

About Citi

Citi is a leading global bank providing financial services for over 200 years since its founding in 1812. Headquartered in New York City, Citi has exponentially grown to operate in over 160 countries and jurisdictions, cementing its status as a true banking giant.

Some key facts illustrate Citi’s immense scale and influence as a financial institution: it serves around 200 million customer accounts worldwide, manages over $2.3 trillion in assets under management, employs over 200,000 people, and continues innovating across consumer banking, lending, investments and payments. Beyond banking, Citi also issues some of the most popular American credit cards as the issuing bank for Citi-branded rewards cards like Double Cash, ThankYou Preferred, and the Custom Cash Card.

Who is this card for?

The Citi Custom Cash Card is a great option for anyone looking to maximize rewards on their top spending category each month without worrying about bonus caps or tracking categories.

It’s ideal for light to moderate spenders in categories like grocery stores, restaurants, gas stations, online shopping, subscriptions, and more. People who do most of their monthly spending concentrated around 1-2 main categories will benefit the most from the 5% customized cash back.

This card is also good for consumers wanting an easy, fuss-free cash back card with no annual fee. The no-hassle rewards and lack of fees make it a simple, worthwhile option.

Step By Step to Apply for the Citi Custom Cash Card

Follow these easy steps to apply for the Citi Custom Cash credit card:

Go to the official Citi Custom Cash application page;
Click on the orange “Apply Now” button;
Provide basic personal information when prompted to begin your application such as name, address, date of birth, Social Security Number;
Confirm if you are a current Citi cardmember;
Enter your income, housing payment details, and review the application terms and conditions;
Formally submit your application for review by clicking the Submit button;
Check your email inbox for updates on your application status. It may take 1–2 weeks for review and a final decision.

PRESS HERE TO APPLY THE CITI CUSTOM CASH CREDIT CARD

Positives and Negatives of the Citi Custom Cash Card

The Citi Custom Cash Card has several strong benefits that make it a worthwhile option, including earning 5% cash back automatically on your highest monthly spending category (up to $500), no annual fee, a 15-month 0% intro APR, and a $200 signup bonus after meeting a minimum spend threshold. There’s also no need to activate or keep track of rotating bonus categories, allowing cardholders to simply earn rewards seamlessly.

However, the Citi Custom Cash Card does come with a few downsides to consider foreign transactions incur a high 3% fee, the 5% cashback only applies to the first $500 in category spend each billing cycle, balance transfers cost 5% (minimum $5), and the regular APR is a variable 19.24%-29.24% after the intro period ends. So, while the no-fuss rewards are nice perks, users should be cognizant of the card’s drawbacks around fees, caps, and interest rates.

While the Citi Custom Cash card has limitations, its customizable rewards program and lack of annual fee help outweigh the negatives for many cardholders. Just be mindful of the bonus cap, foreign fees, and APR rates when using this card.

How to Unlock the Citi Custom Cash Card

Follow these steps once you receive your new Citi Custom Cash credit card to activate it and begin using it:

Call the number on the sticker found on the front of your card. This is typically a 1-800 number;
When prompted, enter your 16-digit card number along with some personal details like your name, address, date of birth, or Social Security Number;
Set up your card PIN number when asked during the automated call. Choose a 4-digit PIN that only you would be able to guess;
You may be given the option to select custom security questions as well. Provide unique question-answer combos;
Your card will now be officially activated and ready for use;
Register your card on the Citi website or mobile app to access your account online going forward.

Once successfully unlocked, you can immediately begin making purchases with your Citi Custom Cash Card in-stores, online, via mobile wallets, and anywhere Visa is accepted.

Fees & Rates for the Citi Custom Cash Card

Here are the main costs and rates associated with the Citi Custom Cash Card:

$0 Annual Fee;
19.24%-29.24% Variable APR on Purchases and Balance Transfers;
5% Balance Transfer Fee (Minimum $5);
Up to $40 Late Payment Fee;
3% Foreign Transaction Fee;
Cash Advance APR of 29.99% plus $10 or 5% fee, whichever is greater.

As you can see, there are no annual fees, but Citi does charge penalty fees if you miss payments or carry balances month-to-month. The foreign transaction and cash advance fees are also higher than average.

Customer Service for the Citi Custom Cash Card

Citi provides the following resources to get help with any questions or issues related to your Citi Custom Cash credit card:

Phone Support: call 1-800-374-4934 anytime 24/7
Online Support;
Mobile App: iOS and Android Download Links
Live Chat: available 24/7 after logging into your account

Be sure to reach out to Citi customer service if you ever need assistance with fraudulent charges, bill disputes, account maintenance, reward redemptions, or other card-related needs.

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