citi custom cash review
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Citi Custom Cash Card Review

The Citi Custom Cash ℠ Card (Citi is a Forbes Consultant companion) is big-idea plastic that works well as a companion card. The no-annual-fee card supplies 5% back in the top eligible spend category on approximately $500 invested each payment cycle as well as 1% on all other acquisitions.

Various other benefits include an initial APR on purchases as well as balance transfers as well as a welcome bonus: $200 in money back after investing $750 on acquisitions in the first 3 months of account opening. The bonus offer points been available in the type of 20,000 ThankYou ® Things that can be redeemed for $200 money back. You can pool rewards with other Thanks point-earning cards, also.

Citi Custom Cash Card Pros and Cons


  • No registration called for to gain bonus offer benefits
  • Cash-back groups are distinct groups that other cards may not use perk incentives for
  • Introductory APR on acquisitions and equilibrium transfers
  • No yearly charge


  • High balance transfer cost
  • High international transaction fee
  • Some daily rewards groups are overlooked


  1. Earn $200 in money back after you spend $750 on purchases in the initial 3 months of account opening. This benefit deal will be met as 20,000 ThankYou ® Things, which can be retrieved for $200 cash money back.
  2. 0% Introductory APR on equilibrium transfers as well as acquisitions for 15 months. Afterwards, the variable APR will be 14.24%– 24.24%, based upon your creditworthiness.
  3. Earn 5% cash back on purchases in your leading eligible invest category each payment cycle, as much as the initial $500 spent, 1% money back thereafter. Likewise, earn unrestricted 1% cash back on all other acquisitions.
  4. No turning reward groups to sign up for– as your costs adjustments each invoicing cycle, your earn changes automatically when you invest in any of the eligible categories.
  5. No Yearly Fee
  6. Citi will only release one Citi Custom Cash ℠ Card account each.

Citi Custom Cash Card welcome bonus

Citi offers a welcome bonus for brand-new Citi Custom Cash Card customers with a reduced spending need: Make $200 cash back after spending $750 on purchases in the very first 3 months of account opening.

Spread out over three months, that’s a $250 monthly in spend that you can likely satisfy by just using your Personalized Cash money Card on day-to-day purchases.

The perk offer will be satisfied as 20,000 ThankYou ® Things, which can be redeemed for $200 cash back.


Cardholders of the Citi Custom Cash money Card earn 5% cash back on acquisitions in their top eligible invest classification each invoicing cycle, approximately the very first $500 spent (then 1%). They likewise earn an unrestricted 1% cash back on all other acquisitions immediately.

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Eligible spending categories include whatever from dining establishments and also supermarket, to gas stations, select travel, pick transportation, choose streaming services, pharmacies, residence enhancement shops, physical fitness clubs and also live home entertainment. If you were to make the most of the 5% back on as much as $500 in costs each payment cycle, you could wind up with $25 in cash money back each month, or $300 a year.

Select calculated the amount of incentives the ordinary American can earn if they optimize the means they use their Citi Custom Cash Card. We collaborated with the location knowledge company Esri, that gave us with an example annual investing budget of $22,126.

The spending plan includes six main classifications: groceries ($ 5,174), gas ($ 2,218), dining out ($ 3,675), traveling ($ 2,244), utilities ($ 4,862) and also basic acquisitions ($ 3,953).

Right here’s a break down of just how much money back you can earn in each group, yearly:

Grocery stores: $259 (as your top eligible spend classification making 5%).

  • Gas: $22.
  • Dining out: $37.
  • Traveling: $22.
  • Utilities: $49.
  • General purchases: $40.
  • Total: $428.

Based on the annual costs budget plan from Esri, the typical American can make an approximated $628 in the first year of card membership, assuming you gain the $200 welcome benefit, and also $2,340 over 5 years. This presumes that cardholders are redeeming ThankYou Points for cash money back at a common value of 1 cent each.

Investing optimizers might be able to achieve even more value, and you might earn a higher or reduced return relying on your investing behaviors. It’s not as hard to make the most of every dollar you spend with the Citi Custom-made Cash money considering that you automatically gain 5% back on your leading eligible investing group. If you can maximize the $500 in investing on among the 5% categories monthly, you ‘d earn $300 in cash back (throughout a year) from that category alone.

Money back is earned in the form of ThankYou Information. Each invoicing cycle, cardholders will earn 5 points per $1 on acquisitions in their top eligible spend category, up to the first $500 spent, and 1 point per $1 on all other purchases.

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Fringe benefits

The Citi Custom Cash Card stands out most for its customized cash-back rewards program as well as conveniently attainable welcome reward. Its huge perk is that cardholders never ever have to activate bonus groups each quarter in order to make the 5% cash money back, which other cards in this 5% classification commonly need. And also, comparable cards just use a couple of options that you can earn 5% back on and also the qualified 5% classifications transform every quarter.

You can retrieve your points for money back as a direct deposit or as a statement credit put on your bank card bill. There are no minimums when you retrieve by doing this. For more choices, redeem your factors for present cards, travel as well as Shop with Things at or PayPal.

If you have a member of the family or partner that needs help building credit history, you can include authorized individuals to your bank card account at no charge. You gain points on the purchases they make, and their investing makes it also much easier to get to the $750 threshold to gain that welcome incentive. Simply keep in mind that licensed users won’t also obtain the cash-back bonus offer.

The Citi Custom Money Card is a contactless-chip allowed card so you can depend on a safer and also quicker means to pay in store.


The Citi Custom Cash Card has no yearly charge and also an introductory 0% APR duration to offer you more time to settle any type of large expenses. The interest-free period is for your very first 15 months on equilibrium transfers and also new acquisitions (after, 14.24% – 24.24% variable APR).

There is a 3% international purchase cost on acquisitions made overseas as well as a balance transfer fee of 5% of each balance transfer ($5 minimum). All transfers must be completed in the very first four months of account opening.

Citi Custom Cash Money vs Discover it Cash Back

A card similar to the Citi Custom Cash Card is the Discover it ® Money Back card. Both have no yearly charge, 0 percent intro APR for new acquisitions and equilibrium transfers, and also feature choose benefit classifications.

Where they differ is the category restriction and demands. Citi Custom-made Money immediately gives you pay back based on your largest spending group each invoicing cycle. The card’s eligible 5 percent benefit groups are also offered year-round rather than rotating quarterly. While the Discover it card calls for enrollment each quarter, the limit for every quarter is up to $1,500 (after that 1 percent). The welcome deal likewise has a lower demand of $500 in your first three months for the exact same money back potential of $200.

Citi Custom Cash vs Chase Flexibility Flex

For sheer benefits possible as well as group selection, the Chase Liberty Flex is the most effective option generally if you aren’t planning to obtain other Citi cards. The Chase Flexibility Flex’s incentives can additionally be pooled with Chase’s premium cards and redeemed for a greater worth toward traveling. And also, it makes year-round 5 percent cash back on Chase Ultimate Rewards traveling and 3 percent on eating and medicine shop purchases.

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Nevertheless, the Liberty Flex normally allows you gain cash back in greater than one 5 percent category at a time. It can additionally provide more diverse classifications throughout the year, like wholesale clubs or online buying with significant retailers. Still, this card needs willful costs and being aware of which groups are being rewarded during the quarter. While the Citi Custom-made Cash may not have as strong rewards as the Chase Flexibility Flex, it does make a great buddy card that can cover daily purchases.

Ultimately, if the incentives design doesn’t matter as much, you must determine how much cash back you ‘d make with each card based upon your monthly budget plan. For instance, if you took full advantage of each card’s 5 percent bonus groups and invested an overall $1,325 each payment cycle, we approximate the Citi Customized Cash Money as well as Discover it Cash back would both make around $399 annually, while the Flexibility Flex would bring in a monstrous $493.

Finest cards to pair with the Citi Customized Cash Money Card

Pass on, the very best cards to pair with the Citi Custom Cash are the Citi Premier and the Citi Prestige because they let you move your pooled Custom-made Money awards to Citi’s traveling partners for a potentially greater worth.

Your Custom-made Money card would be an outstanding sustaining card with either option, yet the Citi Premier allows the Custom-made Money card beam a little bit much more. The Premier card’s dining establishment, grocery store, gasoline station, flight and hotel categories cover a few of the Customized Cash money card’s heaviest costs groups, allowing you to make 5 percent back in rarer incentive classifications like transportation as well as live home entertainment.

Adding the Citi Dual Money to your pocketbook would certainly complete the Citi ThankYou trifecta by offering boosted money back or factors (if you convert them) on all acquisitions. The Citi Double Cash is even a smart choice if you’re simply interested in cash money back due to its higher rewards rate than most flat-rate cash money back cards. By doing this you’ll be able to earn greater than 1 percent cash money back on all acquisitions when you know you have actually optimized your 5 percent category each invoicing cycle.

Who is this card for?

Many charge card offer bonus rewards on fixed classifications every month such as traveling, dining or groceries. While these purchases do certainly occupy a sizable piece of most customers’ budgets, what about purchases that do not fit under these groups?

That’s where the Citi Custom-made Money can be found in. This card includes a special incentives price that alters each invoicing cycle, providing cardholders the versatility to earn an exceptional 5% back on purchases that commonly wouldn’t fit under the repaired classifications used by various other cards.

This card needs to be specifically enticing for existing Citi cardholders. Despite the fact that the Custom-made Money is branded as a cash-back card, you’ll gain benefits in the form of Citi ThankYou factors. If you already bring among Citi’s travel benefits cards (such as the Citi Stature ® Card or the Citi Premier ® Card), you can combine the factors earned on that particular card with the factors earned on the Customized Cash money. Note that you can also combine your incentives if you have the Citi Dual Cash Money or the Citi Rewards+ ® Card for a lot more cash money back.

The details for the Citi Prestige has actually been collected independently by The Points Person. The card details on this web page have actually not been assessed or offered by the card provider.

Lastly, this card would certainly likewise be an outstanding choice for your initial cash-back card because the Custom-made Cash offers 5% instantly on your leading costs classification, taking the uncertainty out of making incentives.

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Another type of customer that would take advantage of this card is someone that intends to decrease their debt as well as benefit from its introductory APR deal. There’s a 0% introductory APR on acquisitions for the first 15 months of account opening and also 0% initial APR for 15 months from the date of your initial transfer completed within the initial four months of account opening. Afterwards, the variable APR will range from 14.24% to 24.24%, relying on your creditworthiness.

Which cards take on the Citi Personalized Cash Money Card?

There are several alternatives to choose from on the marketplace today for those who wish to stay clear of paying a yearly cost altogether.

The first card to take into consideration would be the Citi Double Cash Money. This card is excellent for beginners because you’ll gain 1% when you acquire and also 1% when you settle your expense (for a total of 2% cash back on all your acquisitions). Plus, you’ll enjoy the uncapped earning possibility on the Double Cash money if your costs goes beyond the $500 limit on the Custom-made Money. Nevertheless, this card needs you to accrue $25 in incentives before compensatory money back.

One more card with an equivalent incentives rate to the Personalized Money is the Chase Freedom Flex. This card likewise has no yearly fee and you’ll earn 5% back on up to $1,500 in acquisitions on revolving bonus classifications each quarter you trigger– which breaks down to about $500 in costs each month.

Chase will certainly establish the benefit categories each quarter, but in the past, we have actually seen usual vendors such as Amazon, Walmart, residence enhancement stores and also gasoline station consisted of in these revolving classifications. The Flexibility Flex likewise earns 5% back on Chase Travel booked via Ultimate Benefits, 3% back on eating and drugstore purchases, as well as 1% back on other qualified purchases.

The Personalized Money still has a slight upper hand on the Flex given that your leading investing group modifications each billing cycle based on your costs behaviors. You may locate that a few of the quarters on the Flex’s turning calendar, as well as its regular benefit categories, might not align with your way of life.

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