Last four digits of your Social Security number, Do Not Sell or Share My Personal Information. To log in to your Citi Custom Cash Card account, go to the login page on the Citibank website or mobile app and enter your username and password in the appropriate fields. We want you to feel comfortable about giving us your email address. If you want a cash back rewards card that fits your lifestyle, the Citi Custom Cash Card could be what youre looking for. Rewards rate that highly favors travel purchases. If youd like to redeem your rewards for travel, you must book your travel through the Citi ThankYou portal. You can earn 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back . One of the best first-class redemptions is from New York to Frankfurt for 97,000 miles, while other first-class flights cost 140,000 or more. This website is not intended for distribution to, or use by any person in any country where such distribution or use would be subject to or contrary to local law or regulation. How We Use Email. If you spend $1,500 in the first six months of opening the card, you'll receive a bonus of . With the increasing threat of identity theft, its good to have security features designed to help protect your information. Select independently determines what we cover and recommend. The Citi Custom Cash is light on other benefits, which isnt surprising since theres no annual fee. is a former TPG writer. The eligible spending categories include: Once you reach the $500 cap for earning 5 percent back on your top spending category, youll keep earning 1 percent back on those purchases in the same category until a new billing cycle begins. @evelyn_boros 07/29/21 This answer was first published on 07/29/21. Let's assume you charge $500 at the grocery store per month. Aside from the points or miles you pay for a business-class award, it's also important to pay attention to the taxes and fees. You may find that some of the quarters on the Flexs rotating calendar and its regular bonus categories may not align with your lifestyle. Elana Rueven, Citi, elana.rueven@citi.com. This card differentiates itself from other options on the market by providing the unique ability to earn up to 5% back on your top spending category each billing cycle on up to the first $500 spent. This could potentially be a compelling offer for cardholders who want to maximize their purchases with its up to a terrific 5% cash-back rate. Citi Custom Cash $300 offer online : r/CreditCards - Reddit With the Citi Custom Cash Card, youll earn 5% cash back on purchases in your top eligible spending category each billing cycle, on up to the first $500 spent. **Select transit is defined as car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines and motor home and recreational vehicle rentals. This card is also one of the best 0% interest credit cards. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. To check your credit card balance over the phone, call the customer service number you see on the back of your credit card. You should think carefully about how you want to use the rewards youve earned, so you can wring the most value from them. As reported by u/slash8915 the other day in this thread, Citi reps stated the Custom Cash should become available as a product change (PC) option starting today.Edit: PC option availability confirmed. Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. However, the cashback is earned in the form of ThankYou points (one point equals one cent) and the points you earn with these cash-back cards can be pooled with other Citi cards, like the Citi Premier or Citi Rewards+. Finally, this card would also be an excellent pick for your first cash-back card since the Custom Cash offers 5% automatically on your top spending category, taking the guesswork out of earning rewards. So if youre denied for one card, it doesnt mean you cant be approved for another. Citi used to also award ThankYou points to certain checking account holders but closed enrollment for this benefit in July 2022. This allows you to book flights to/from anywhere in the U.S. that United flies for the set price of 7,500 one-way in economy or 12,500 one-way in business class. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. Based on the Citi Custom Cash rewards structure, this card could be a good fit for everyday spending. At Citi Cards, we are dedicated to protecting your privacy. *Information about the Citi Prestige Card has been collected independently by CreditCards.com. However, there are a few perks and essential security features: Each billing cycle (roughly every month or so), youll earn 5% cash back on the first $500 of purchases in your top spending category from the following list: *Select travel is defined as airlines, hotels, cruise lines and travel agencies. Guide to Citi Custom Cash Cards rewards and benefits, better off with a flat-rate cash back card, Earn 60,000 bonus points with the Citi Premier Card, See more Media Contacts: The Citi Custom Cash Cards rewards structure and card benefits pack a punch, making it an excellent cash back card. This is contrary to what I have read as the advice here and elsewhere. WalletHub Answers is a free service that helps consumers access financial information. Cash back is earned in the form of ThankYou Points, which can be redeemed for cash back as a direct deposit, check or statement credit. Some of the redemption options are less valuable, like shopping with points at select retail partners, which has a value of less than one cent per point. If youve lost your sticker or youre just wondering heres a quick reference guide to credit card activation with some of the biggest card issuers. read full answer. Its awesome to have a no annual fee card that can help you maximize rewards. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan. Citi will only issue one Citi Custom CashSM Card account per person. to maintain accurate information. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. That way you can lock your account or take other action as needed. Citi Custom Cash Card | Apply Online | CreditCards.com Its good practice to check your credit card balance regularly. You should be able to do most things on the app that you can do on the issuers website, but banking app features vary from issuer to issuer. Application link: Citi Custom Cash Card with $200 cash back after you spend $1,500 on purchases in the first six months of account opening. International business-class flights can cost thousands of dollars, so using your credit card rewards to book these awards can unlock exceptional value. Turkish Airlines is a member of the Star Alliance, which means you can use Turkish miles to book award flights on United Airlines. Card is 13.99% - 23.99% based on your creditworthiness. The Citi Custom Cash Card is a flexible category card, designed to adapt your rewards to your spending habits. 2021 Citi Custom Cash Card Survey Ask Citibank customer service to send you the new PIN either in the mail, over text, or by email. If you are worried about your credit card approval odds, prequalified offers are a great tool for finding the cards in your reach. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Marriott Bonvoy Business American Express Card, Southwest unveils stunning new Hawaii-themed aircraft, How to redeem Chase Ultimate Rewards points for maximum value, IHG Rewards Premier Business card review: The annual fee is justified. Citibank: Online Bill Payment - Citibank She began writing for CreditCards.com in 2018, where she authors articles on topics ranging from credit score management to travel rewards to small business credit. Citi Custom Cash Card - Review [Updated 2023] - UpgradedPoints.com The communications can look real. Though Citi doesnt offer quite as many of these promotions as other card issuers, you still have a chance to snag a top match. This sign-up bonus is comparable to other no-annual-fee, cash-back cards. Sign up here. Checking Made Simple Enjoy checking with 24/7 digital banking and no minimum opening deposit. Not only does the Citi Custom Cash function as a great cash back card, but it also works decently as a balance transfer card. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Sign in with your account information, or set up online access to your account (most bank websites have a login or signup box on the landing page). You could use the Citi Custom Cash to complement any of the below cards (which can all potentially earn Citi ThankYou points): When you throw in the ability to also earn 5x points in a category of your choice with the Citi Custom Cash Card, thats a great complement to any of the above cards. To put it in simple terms, 1 ThankYou point equates to 1 cent of cash-back rewards. JetBlue TrueBlue can be a good option for cheap flights because it prices award flights dynamically. That means you wont be held responsible for unauthorized charges to your account, online or otherwise, if your card is lost or stolen. Citi Launches Custom CashA Next-Gen Cash Back Credit Card If you easily hit that cap within the first week of your billing cycle, then you may be better off with a flat-rate cash back card. Learn More Earn 20,000 Bonus ThankYou Points after qualifying purchases. on Citi's secure site Citi Custom Cash Card Rewards rate 1% - 5% Annual fee $0 Intro offer $200 Regular APR 18.74% - 28.74% (Variable) Recommended credit Good to Excellent (670 - 850) See. Your feedback is important in helping us keep our community safe. However, the best way to get the most value out of your Citi points is usually to transfer them to one of Citi's 16 partner airline and hotel loyalty programs: By transferring ThankYou points to Turkish Airlines Miles & Smiles you could fly a family of four from the U.S. East Coast to Hawaii and back for only 60,000 points. Whether youre a credit card newbie or want a card that will help you maximize purchases that dont fit into other traditional bonus categories, youll want to consider adding this 0% interest card to your wallet. IHG Rewards Premier Business Credit Card Review: Worth Will Americans New York To Doha Route Survive? In addition, it is not any companys responsibility to ensure all questions are answered. Citi Custom Cash Card Login Instructions & Credentials - WalletHub Balance transfer feeeither $5 or 5% of the amount of each transfer, whichever is greater. That means you can earn cash back virtually anywhere you go. to maintain accurate information. Best no annual fee credit cards of April 2023 - USA Today Keep an eye on your inboxwell be sending over your first message soon. Currently you have JavaScript disabled. I just called citi and confirmed that if your Custom Cash points are merged into your Premier Thank You points, these Custom Cash points are stilled flagged as 'Custom Cash' points and can not be used as points transferred to Airlines. Generally, transferring points to Citi's hotel partners is less valuable than using your points for flights. For only 15,000 ThankYou points (or less) you can book domestic awards on United, Delta and more. Rebecca Lake For more information, check out this guide on what to do if your credit card application is denied. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. She's been quoted in Fatherly, Consolidated Credit, Grow from Acorns and the Haven Life blog, among others. Turkish charges 45,000 miles for one-way business-class flights from the U.S. to Europe, while LifeMiles typically charges 63,000 miles, although it sometimes varies. 5% cash back on purchases in top eligible spend category each billing cycle, up to the first $500 spent (then 1%); unlimited 1% cash back on all other purchases. 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. Best Way to Get a Citi Custom Cash Credit Card PIN. You'll pay a single $95 annual fee, and you'll earn 2-5x points on all your purchases, which can be transferred to Citi ThankYou travel partners. Theres no minimum balance you need to reach before accessing your rewards which isnt the case for many cash-back cards. Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card. You also have fraud early-warning detection built in. Dont worry, we wont spam your inbox. Singapore Airlines has a zone-based award chart, so you'll always know exactly how many points you need for an award. Economy flights between the East Coast and Hawaii typically cost $300 to $400, so you're getting a value of roughly four to five cents per point after you account for taxes. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. Making the most of your Citi Custom Cash rewards starts with hitting that $500 cap in your top spend category each billing cycle. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. The Citi Custom Cash Card includes zero liability protection. The Citi Custom Cash Card offers a solid welcome bonus for a personal no annual fee card. Points are worth an average of 1 cent each, so 10,000 ThankYou Points can be redeemed for a $100 statement credit, a $100 check or a $100 direct deposit. The best way to book these exclusive awards is by transferring points directly to Emirates Skywards or Singapore Airlines KrisFlyer. Unable to add Custom Cash Card with Citi (edited) Simplifi This is a recurring post, regularly updated with new information. The Citi Custom Cash card comes with $200 cash back if you spend $1,500 on purchases within the first six months and has no annual fee. Request up to 100 cashback when making in-store purchases. Checking your balance with an app is similar to checking it online, and its just as easy. The primary reason to consider the Citi Custom Cash Card is because of the innovative rewards structure, as the card offers: Eligible spending categories include the following: These rewards can be transferred to the Citi ThankYou travel partners as long as you have either the Citi Premier or Citi Prestige. Maximizing your Citi Custom Cash rewards and benefits Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. The card automatically adapts to cardmembers ever-changing spending needs, rewarding them with 5% cash back on their top eligible spend categoryranging from restaurants to grocery to select streaming and travel plus moreeach billing cycle up to the first $500 spent, and 1% cash back on all other purchases. If youre adding the Citi Custom Cash on top of your Citi Prestige or Citi Premier cards, you can unlock the option to convert your points into miles with Citis hotel and airline transfer partners to extract potentially greater value from them. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. The Citi Custom Cash Card is a terrific choice, as youll gain true flexibility to earn rewards depending on your spending habits. Click here to change your cookies settings. Check the data at the top of this page and the bank's website for the most current information. The Citi Custom Cash Card is inventive when it comes to cash-back credit cards. Citi Identity Theft Solutions, which will assist you if youre experiencing identity fraud or theft. It also comes with a 15 month 0% APR introductory. For all balance transfers, Citi will charge you a balance transfer fee of $5 or 5 percent of each transfer, depending on which one is greater. The simplest way to use Citi points is to redeem them for cash back. The Citi Custom Cash Card earns 5 percent back on your highest spending category each billing cycle, up to $500 in purchases. 2023 Citi Custom Cash Card Reviews - WalletHub Chase Freedom Unlimited Card vs. Citi Custom Cash Card [2023]