Citi Custom Cash – How to apply

By Marcos • 12/01/2024

The Citi Custom credit card brings a special offer that makes starting your financial journey with this card even more attractive. When you spend $1,500 on purchases in the first six months, you’re rewarded with $200 cash back. 

This promotion not only provides an immediate incentive, but also highlights Citi’s commitment to delivering value from the first moment you use the card.

In addition to cash back, you can also enjoy exclusive benefits, such as cashback program adaptable and innovative financial tools, maximizing your experience and financial rewards.

How does the Citi Custom Credit Card Cash Work?

The functioning of the Citi Custom is based on simplicity and efficiency, ensuring you make the most of your daily spending. This card allows you to earn rewards automatically.

You can earn up to 5% money back in your highest spending category, limited to the first $500 spent per billing cycle. After reaching this limit, all purchases in this category start to offer 1% cashback. 

The card also offers advanced digital tools, such as Citi Mobile® App, to manage your account and transactions. 

With this functionality, you can check your balance, make payments and access information about your accumulated points, all in a practical and safe way.

Main benefits of Citi Custom Credit Card Cash

One of the main benefits of the Citi card is the Mastercard identity theft protection program, which monitors and alerts the user about suspicious account activity. 

This feature, offered free of charge, reduces concerns about possible fraud and provides greater peace of mind. 

Furthermore, the protection of Zero Liability for Unauthorized Charges guarantees that you will not be held responsible for fraudulent transactions carried out on your account. 

The resource of Fraud Early Warning adds another layer of security by constantly monitoring card activity and notifying you immediately in case of suspicious transactions.

Another highlight is the ease of access and control of your account through the Citi Mobile app, which offers features such as balance monitoring, payments and viewing your Free FICO Score. 

This tool allows you to monitor your credit score without negative impact and view factors that directly influence your score. 

And with the function Citi Quick Lock allows you to quickly block your card if lost, ensuring that only recurring charges remain active while you find your card or request a replacement.

Finally, the Citi card focuses on innovation with features such as contactless payments and integration with digital wallets, allowing safe and agile purchases in physical or online stores. 

Cons of Citi Custom 

One of the points that can limit its use is the $500 cap on 5% cashback rate in the highest spending category. 

For users who spend more, the financial return may not be as competitive compared to other cards that offer higher or unlimited rates.

Another aspect to be noted is the ThankYou points-based rewards structure, which may not be as straightforward as programs that offer pure cashback. 

The redemption process requires familiarity with the system and may not appeal to users who prefer simplicity in rewards.

APR and Fees

An Introductory APR for balance transfers and purchases is usually 0% for up to 15 months, which is advantageous for those who need time to pay off debts or plan larger purchases. 

And after the introductory period, the APR varies based on the holder’s credit, generally between 19.24% and 29.24%.

In terms of fees, the card charges a 5% balance transfer fee or $5, whichever is greater, making it important to evaluate whether this option pays off in relation to other cards. 

Furthermore, there is no annual fee, which increases its value for money for users looking to save money.

Already the foreign transaction fee is 3% of the purchase value.

How to apply for the Citi Custom Credit Card Cash

Request the Citi Custom credit card It is a simple process and can be done directly on the official Citi website. 

First, you need to fill out a form with personal information such as name, address, income and credit history. Please ensure that all details are correct to avoid delays in order processing.

Before submitting your application, it is recommended that you review the card’s terms and conditions, especially regarding APR, fees and benefits. 

This ensures that you are aware of all financial responsibilities and the benefits you will receive when using the card.

After sending, the bank usually responds within a few days, but the deadline may vary depending on your credit history.