02 Aug

Citi Custom Cash Card Review

Citi Custom Cash: The Ultimate Credit Card for Custom Rewards

Citi Custom Cash. In today’s fast-paced world, credit cards have become an essential financial tool. They offer convenience, security, and most importantly, rewards for your spending. One such credit card that has gained significant popularity is the Citi Custom Cash card. In this article, we will dive into the features, benefits, and perks of this credit card, and explore why it might be the perfect choice for your wallet.

What is the Citi Custom Cash Card?

The Citi Custom Cash card is a rewards credit card designed to cater to the individual preferences and spending habits of its users. Unlike traditional credit cards with fixed rewards categories, this card empowers you to earn rewards in the areas where you spend the most. Whether it’s dining, groceries, entertainment, or any other category, you can customize your rewards to suit your lifestyle.

Benefits and Features

1. Welcome Bonus

Upon approval, the Citi Custom Cash card offers a generous welcome bonus. This bonus can kickstart your rewards journey and provide a head start in earning valuable points.

2. Customizable Reward Categories

As mentioned earlier, this credit card allows you to personalize your rewards. Every month, you can select two categories where you want to earn 5% cashback. Furthermore, all other purchases will still earn you a competitive 1% cashback.

3. No Annual Fee

The Citi Custom Cash card comes with no annual fee. This means that you can enjoy all the perks and benefits of the card without worrying about recurring charges.

4. Contactless Payments

For seamless and secure transactions, this credit card comes equipped with contactless payment technology. Just tap your card at compatible terminals to make quick payments.

5. Zero Liability Protection

Citi takes security seriously. With Zero Liability Protection, you are not held responsible for unauthorized charges made on your card.

How Does it Work?

Using the Citi Custom Cash card is straightforward. Once you receive the card, log in to your online account and select your preferred 5% cashback categories for the month. You can change these categories as often as you like, allowing you to adapt your rewards to your changing spending patterns.

FAQs About Citi Custom Cash Card

1. How do I redeem my cashback rewards?

Redeeming your cashback rewards is simple. You can redeem them as a statement credit or have them directly deposited into your bank account.

2. Is there a limit to the cashback rewards I can earn?

No, there is no cap on the number of cashback rewards you can earn. The more you spend on your chosen categories, the more you earn in rewards.

3. Can I use this card for international purchases?

Yes, the Citi Custom Cash card is widely accepted internationally. However, keep in mind that foreign transactions may attract additional fees.

4. What happens if I miss selecting my 5% cashback categories for the month?

If you don’t choose your categories, all purchases will earn a standard 1% cashback for that month.

5. Is there an expiration date for my cashback rewards?

No, your cashback rewards do not expire, as long as your account remains open and in good standing.

Citi Custom Cash

The Citi Custom Cash card is undoubtedly a game-changer in the world of rewards credit cards. Its innovative approach to customization allows you to earn more in the categories that matter most to you. With its exceptional benefits, no annual fee, and flexible rewards program, this card is an attractive option for anyone seeking a credit card that aligns with their lifestyle and spending habits.

Here are 10 valuable tips to make the most out of your Citi Custom Cash card:

1. Choose Your Categories Wisely: Take advantage of the card’s customizable rewards feature. Analyze your spending patterns and select categories where you spend the most to earn 5% cashback.
2. Stay Updated on Category Changes: Keep an eye on your rewards categories. They can change from time to time, so be sure to adjust your selections accordingly.
3. Maximize Welcome Bonus: When you get your card, don’t forget to meet the spending requirements to qualify for the welcome bonus. It’s a great way to kickstart your rewards journey.
4. Pay on Time, Every Time: Timely payments are crucial for maintaining a good credit score and avoiding late fees. Set up reminders or automatic payments to stay on track.
5. Use Contactless Payments: To speed up transactions and enjoy a contactless experience, use your Citi Custom Cash card for tap-and-go payments wherever available.
6. Combine with Other Citi Cards: If you have other Citi credit cards, consider combining their rewards to maximize your earning potential and get even more value from your spending.
7. Keep Track of Spending: Use Citi’s online tools or mobile app to monitor your spending and rewards. This will help you stay within budget and identify areas where you can optimize rewards.
8. Travel with Peace of Mind: If you plan to travel, inform Citi about your plans to avoid any issues with international transactions or potential fraud concerns.
9. Avoid Cash Advances: Cash advances usually come with high fees and interest rates. Try to avoid using your credit card for cash withdrawals.
10. Redeem Regularly: Don’t let your cashback rewards sit idle. Redeem them regularly either as statement credits or direct deposits to make the most of your earned rewards.

Remember, the Citi Custom Cash card is all about personalization and tailored rewards. So, make sure to customize it to suit your lifestyle and spending preferences for the best possible experience!

Pros of Citi Custom Cash:

1. Customizable Rewards: One of the most significant advantages of the Citi Custom Cash card is its customizable rewards feature. Users can select two categories where they want to earn 5% cashback, allowing them to maximize rewards based on their spending habits.
2. No Annual Fee: The card comes with no annual fee, which is a big plus for those who want to enjoy rewards without the burden of additional charges.
3. Welcome Bonus: Citi offers a generous welcome bonus for new cardholders, providing an excellent incentive to start earning rewards from the very beginning.
4. Contactless Payments: With contactless payment technology, users can make quick and secure transactions by simply tapping their card at compatible terminals.
5. Zero Liability Protection: Citi provides Zero Liability Protection, ensuring that cardholders are not held responsible for unauthorized charges made on their card, adding an extra layer of security.
6. Flexibility: The Citi Custom Cash card offers flexibility in reward redemption. Cardholders can redeem their cashback as a statement credit or have it directly deposited into their bank account.
7. No Expiration on Rewards: Cashback rewards earned with the Citi Custom Cash card do not expire, as long as the account remains open and in good standing.

Cons of Citi Custom Cash:

1. Limited Reward Categories: While the customizable rewards are a pro, the selection is limited to only two categories for 5% cashback. If your spending is diverse, you might not fully benefit from the rewards program.
2. Foreign Transaction Fees: Using the card for international transactions may incur additional fees, which could be a drawback for frequent travelers.
3. Potentially High APR: Like many rewards credit cards, the Citi Custom Cash card may come with a higher APR, especially if you carry a balance from month to month. It’s essential to pay off the balance to avoid interest charges.
4. Credit Score Requirements: To qualify for the Citi Custom Cash card, a good credit score is typically required. Some users with lower credit scores might find it challenging to get approved.
5. Potential for Overspending: The allure of rewards might tempt some users to overspend just to earn more cashback, leading to potential financial pitfalls if not managed responsibly.
6. Limited 5% Cashback Categories: While users can customize their 5% cashback categories, the selection is still limited to the available options provided by Citi.

Overall, the Citi Custom Cash card offers a range of benefits, particularly for those who can make the most of the customizable rewards and avoid potential pitfalls like overspending and carrying a balance. As with any credit card, responsible usage is key to reaping the rewards without falling into debt.

The Citi Custom Cash card comes with several benefits and perks designed to enhance the cardholder’s experience and provide value for their spending. Here are some of the key benefits and perks of the Citi Custom Cash card:

1. Customizable 5% Cashback: The primary highlight of the Citi Custom Cash card is its customizable rewards feature. Cardholders can choose two categories from a list of eligible options where they want to earn 5% cashback. This allows them to tailor their rewards to match their individual spending preferences.
2. 1% Cashback on All Other Purchases: Even outside the chosen 5% cashback categories, the Citi Custom Cash card still offers a flat 1% cashback on all other purchases. This ensures that cardholders continue to earn rewards on their everyday spending.
3. Generous Welcome Bonus: New cardholders can take advantage of a generous welcome bonus. To qualify, they need to meet the specified spending requirements within a defined period after receiving the card.
4. No Annual Fee: The Citi Custom Cash card does not charge an annual fee. This means that cardholders can enjoy the benefits and rewards without any additional cost.
5. Contactless Payments: For added convenience and security, the card features contactless payment technology. Cardholders can make payments by simply tapping their card at compatible terminals, speeding up transactions and minimizing the need for physical contact.
6. Zero Liability Protection: Citi provides Zero Liability Protection to safeguard cardholders against unauthorized transactions. If the card is used fraudulently, the cardholder is not held responsible for the charges.
7. Flexible Reward Redemption: Cardholders have the flexibility to redeem their earned cashback rewards as a statement credit, which can help offset their outstanding balance. Alternatively, they can choose to have the cashback directly deposited into their bank account.
8. No Expiration on Rewards: The earned cashback rewards do not expire, as long as the account remains open and in good standing. Cardholders can accumulate rewards over time and redeem them at their convenience.
9. Digital Tools and Alerts: Citi provides digital tools and alerts to help cardholders stay on top of their spending and manage their account more efficiently. These tools can include spending trackers, balance notifications, and payment reminders.
10. Access to Exclusive Offers: Citi may offer special deals and promotions exclusively for cardholders, providing additional opportunities to save money or earn bonus rewards.

In conclusion, the Citi Custom Cash card’s benefits and perks, especially its customizable 5% cashback feature, no annual fee, and contactless payments, make it an appealing choice for individuals looking to optimize their credit card rewards and enjoy a variety of valuable benefits.