The Citi Custom Cash℠ Card is a popular no-annual-fee credit card with an uncomplicated but valuable rewards program. It’s a great option for people looking for a simple way to earn cash back consistently without dealing with rotating bonus categories.
But if you’re looking for the one perfect credit card that helps you earn as much cash back as possible on all of your everyday spending, the Custom Cash Card may not get the job done.
Here’s when the Citi Custom Cash Card may be the best cash back credit card for you.
Citi Custom Cash Card details
- Annual fee: $0
- Welcome bonus: $200 statement credit after spending $750 on purchases in the first three months
- Intro APR on purchases: 0 percent intro APR for 15 months on purchases (14.24 percent to 24.24 percent variable APR thereafter)
- Intro APR on balance transfers: 0 percent intro APR for 15 months on balance transfers completed within the first four months of account opening (14.24 percent to 24.24 percent variable APR thereafter)
- Balance transfer fee: $5 or 5 percent (whichever is greater)
- Rewards: 5 percent cash back on your highest eligible spend category each billing cycle up to $500 spent (1 percent cash back thereafter).
When is the Citi Custom Cash Card worth it?
For most, the best part about the Citi Custom Cash Card will be the 5 percent cash back in your highest eligible spending category each billing cycle, up to $500 (an unlimited 1 percent cash back on all other purchases).
The eligible categories include plenty of everyday selections, including groceries, gas, restaurants and select streaming services. And if you want to plan a vacation or need to make renovations to your home, the card also includes travel and home improvement stores.
Depending on your spending habits and the card features that matter most to you, there are a few more perks that will increase the card’s value. Here’s a look at three times it makes sense to use the Citi Custom Cash Card.
When you want to keep things simple
The Custom Cash Card’s rewards program is easy to use. You automatically earn 5 percent in the eligible category that you spend the most in each billing cycle. You don’t have to enroll in any categories, and if the Custom Cash Card is your only credit card, you won’t have to spend time remembering which credit card to use for every purchase.
This will be especially appealing to anyone who wants to avoid credit cards with rotating bonus categories. These bonus spending categories are picked by the card issuer and are typically only offered on a quarterly basis. Most of these cards also …….
Source: https://www.bankrate.com/finance/credit-cards/is-citi-custom-cash-worth-it/
