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Looking to be rewarded for your purchases? Consider signing up for the Citi Custom Cash Card because it is designed to be simple and flexible. You have the opportunity to earn a $200 Cash Back Bonus after spending $750 in purchases within the first 3 months of account opening.
This card has no annual fee and a foreign transaction fee of 3% of each purchase in US dollars. If that didn’t convince you already, you can also earn 5% cash back on your top eligible spend category and 1% on all other purchases.
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If you were looking to sign up for a new, innovative credit card, take a peak at this card to begin getting the perks and benefits on your next purchases!
* The Citi Custom Cash Card is issued by Citibank. They also offer great sign-up bonuses for their Checking/Savings accounts. You can also compare this card with other credit card bonuses!
Table of Contents
Citi Custom Cash Card Summary
| Bonus Available | Earn $200 in cash back after spending $750 on purchases in the first 3 months of account opening. |
| Travel Credit | None |
| Ongoing Rewards/Benefits | 5x ThankYou Points for each $1 you spend in your highest spend category each billing cycle up to the first $500 spent in that category
1x ThankYou Point for each $1 you spend on purchases Earn Citi ThankYou points which you can redeem for cash back, travel, gift cards, merchandise, and more |
| Foreign Transaction Fees | 3% |
| Airport Lounge Access | N/A |
| Annual Fee | None |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
PROS
- Simple and flexible rewards
- Earn Citi ThankYou points
- Low intro APR for 15 months
- No annual fees
CONS
- Has foreign transaction fees
- Good-Excellent credit needed to qualify
- Only earns 1% back outside of $500 in top spending category each billing cycle
Editor’s Alternate Pick
 The Chase Freedom Flex offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. You'll earn: • Earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year. • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • Earn 5% on Chase travel purchased through Ultimate Rewards, 3% on dining and drugstores, and 1% on all other purchases. You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. You'll be able to new 5% categories each quarter! This card has no annual fee. |
Citi Custom Cash Card Bonus
This is one of the best perks that the Citi Custom Cash card has to offer is the $200 bonus cash offer. To qualify, you’ll need to make $750 or more in purchases within the first 3 months of your account opening.
Here are some ideas on meeting the spending requirements:
| • Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. |
| • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank. |
| • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. |
| As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
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Citi Custom Cash Card Benefits
- Never have to sign up for rotating bonus categories
- Add Authorized Users for free and earn points on purchases they make.
- Contactless-chip enabled card and make everyday purchases quickly and safely.
Citi Custom Cash Card Features
You never have to worry about paying your annual fees because this card does not come with any!
Introductory rate of 0% for 15 months from the date of account opening on purchases and an introductory rate of 0% for 15 months from date of first transfer for balance transfers.
Redeem your points for cash back as a direct deposit or a statement credit. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at Amazon.com.
Bottom Line
The Citi Custom Cash Card provides you with additional benefits such as 5% cash back on your top eligible spend category, no annual fee, and much more. Sign up for this card today to see what the fuss is about.
If you are interested in more promotions from CitiBank, look at our list of Citibank Promotions and the full list of more credit card promotion to find the card that best fits you!
For more business options, see our list of the latest business checking promotions! You can also view our extensive list of bank bonuses.
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Who’s the Competition?
*Below are some of the top competitors to the Citi Custom Cash card to consider.
 The American Express® Gold Card offers 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Terms apply. You'll have the opportunity to earn: • 4X Membership Rewards Points on Restaurants, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too. • 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees). Terms Apply. |
 The Platinum Card® from American Express offers 100,000 Membership Rewards Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. You'll earn: • 10X points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership. • 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. • 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. This card comes with an annual fee of $695 (See Rates & Fees), but you cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only. Terms Apply. Terms Apply. |
 The Chase Freedom Unlimited Card offers a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases. In addition, you can earn: • Earn 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year. • Earn unlimited 1.5% cash back on all other purchases. • Earn 5% on Chase travel purchased through Ultimate Rewards, 3% on dining and drugstores, and 1.5% on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. |
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Hustlermoneyblog has partnered with CardRatings for our coverage of credit card products. Hustlermoneyblog and CardRatings may receive a commission from card
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