5 Reasons Why I LOVE the CITI CUSTOM CASH CARD!

The Citi Custom Cash is one of the BEST cash back credit cards with no annual fee, AND it can work well as part of a travel credit card setup! Learn why it’s worth adding to your wallet! (Click “Show More” to see Ad Disclosure.

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REASON #1: WELCOME OFFER + NO ANNUAL FEE

As of March 2022, earn $200 cash back after spending $750 on purchases in the first 3 months of account opening. Plus, receive a 0% intro APR for the first 15 months on purchases & balance transfers, then 13.99% - 23.99% variable.

Of course, the intro APR is NOT an invitation to spend more money than you’d spend normally. Rather, it can be helpful to pay down existing balances on other cards faster and/or finance a large purchase, both of which can be done interest free for 15 months. Be sure to pay off the entire balance in full prior to the intro APR expiration date to avoid all interest charges.

Offer Notes:
- Citi will only issue one Citi Custom Cash Card account per person.
- Bonus is not available if you already received one for opening a new Citi Custom Cash Card account in the past 48 months.

REASON #2: 10-IN-1 REWARDS CATEGORY

What I’m referring to is the “5% Top Eligible Spend” rewards category. It allows you to earn 5% cash back in the category where you spent the most each billing cycle. Valid on the first $500 spent each cycle. The eligible categories are below:

- Restaurants
- Gas Stations
- Grocery Stores
- Select Travel
- Select Transit
- Select Streaming Services
- Home Improvement Stores
- Live Entertainment
- Drugstores
- Fitness Clubs

🎬 To learn what counts for each category, watch my Citi Custom Cash review video here:
https://youtu.be/YHj6-ZC8LyA

REASON #3: EARNS CASH BACK IN THE FORM OF CITI THANKYOU POINTS

Why this is a good thing…

(a) You still get the same value as if you were earning true cash back
1 point = 1¢ ($0.01)
5% cash back = 5X points

Example:
If you spend $100 in a 5% category, you’ll earn…
$100 x 5 points = 500 points = $5.00 cash back

(b) You can obtain BIG potential value for travel via transfer partners when combined with the Citi Premier Card (i.e. 1 point = 1.0¢ - 2.0¢+)

REASON #4: COMBINE POINTS WITH OTHER CITI CREDIT CARDS

That is, you can combine Citi ThankYou Points earned from multiple Citi cards to create a more powerful setup for cash back or travel.

Example:
- The Citi Prestige Card earns 5X on air travel, restaurants, and travel agencies
- The Citi Premier Card earns 3X on air travel, hotels, restaurants, supermarkets, and gas stations
- The Citi Double Cash card earns 2X on all purchases (1X when you buy, 1X when you pay)
- The Citi Rewards+ Card earns 2X on supermarkets and gas stations, PLUS rounds up all purchases to the nearest 10 points, PLUS gives you 10% points back when redeeming (up to 100,000 points redeemed per year).

You can use the right card for the right purchase to earn the highest amount of points possible, then combine all the Citi ThankYou points earned from all those cards into 1 rewards balance. As long as you have the Citi Premier Card and/or the Citi Prestige Card, you can then use the Citi transfer partners to get big, outsized value for your points when building select itineraries.

REASON #5: GREAT ADDITION TO A MIXED CASH BACK CREDIT CARD SETUP

Since cash back might be redeemed via check or direct deposit to a checking account, you can use any cash back credit card you like…from any bank…and indirectly ‘combine’ all your cash back redemptions into 1 bank account. That means you’re free to choose whichever cash back credit cards you like best from any issuer to create a mixed, multi-card setup to cover different spend categories.

Example:
- Citi Custom Cash = 5% Top Spend Category | 1 % Other
- Capital One SavorOne = 3% Dining, Grocery, Entertainment, Streaming | 1% Other
- Bank of America Customized Cash Rewards = 3% Choice | 2% Grocery, Wholesale | 1% Other
- Wells Fargo Active Cash = 2% All Purchases

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

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