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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.
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!
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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.|
|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|
- Simple and flexible rewards
- Earn Citi ThankYou points
- Low intro APR for 15 months
- No annual fees
- 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.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
• 5% on travel purchased through Chase, 3% on dining at restaurants 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.
|• Plastiq: Plastiq allows you to pay for expenses that you generally won’t be able to with your card like rent, tuition, auto lease, mortgage payment, and more. There’s a 2.5% processing fee for using your credit card. However, this’ll be worth the card bonus you’ll get. There’s also a referral program where you can earn “Fee-Free Dollars” to use towards processing fees. See our Plastiq review.|
|• Fund Checking accounts with your card: Many banks will allow you to fund the opening deposit with a credit card. Consider opening Checking accounts that also offer a sign-up bonus. This way, you can work towards bonuses from two different sources. Big banks like Chase, HSBC, Huntington, and TD Bank have great offers and allow credit card funding. You can generally fund anywhere from $50 to $1,000 towards the opening deposit with a credit card, depending on the bank.|
|• Buy gift cards: Consider buying gift cards with your credit card that you can then spend later at your leisure. Individual merchant cards (restaurants, gas stations, supermarkets, etc.) generally don’t have purchase fees, so this is a plus. On the other hand, American Express and Visa gift cards will have purchase fees. Amazon gift cards are a great idea as you can shop for almost anything there with no purchase fees either. Unfortunately, Citi credit cards tend to code gift card purchases as Cash Advances and there’ll be a fee. Call in to customer service and lower your Cash Advance limit to $0 before purchasing gift cards. You can also buy discounted gift cards as well from Raise or find gift cards on eBay.|
|• Everyday spending & bills: Always using your credit card for everyday spending, such as for dining, gas, groceries, etc. You can also use your credit card to pay for things like insurance bills, property taxes and income taxes. However, you’ll have to consider the convenience fees.|
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.
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.
Who’s the Competition?
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.
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). Some benefits including earning up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. In addition, a $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline. You'll also get $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
The Platinum Card® from American Express offers 75,000 Membership Rewards Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
• 10X points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That's an additional 9 points on top of the 1 point you earn for these purchases.
• 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
• 5X Membership Rewards Points on prepaid hotels booked on amextravel.com.
This card comes with an annual fee of $550 (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.
Plus, up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card® & receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts.
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:
• 5% on travel purchased through Chase,
• 3% on dining at restaurants and drugstores, and
• Unlimited 1.5% cash back 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.
BONUS LINK OFFER REVIEW
Chase Business Complete BankingSM $300 Cash Review
Bank of America Checking $100 Offer Review
HSBC Premier Checking Member FDIC $450 Cash Review
HSBC Premier Checking Member FDIC Up To $600 Review
Citi Priority Account Package $700 Cash
With required activities.
TD Bank Beyond Checking $300 Cash Review
TD Bank Convenience CheckingSM $150 Cash Review
Huntington 25 Checking $300 Cash Review
Huntington Bank Unlimited Plus Business Checking $750 Cash Review
Huntington Bank Unlimited Business Checking $400 Cash Review
Huntington Bank Business Checking 100 $200 Cash Review
Discover Bank Cashback Debit $360 Debit Cashback Review
Wells Fargo Everyday Checking $200 Cash Review
Aspiration $150 Cash Review
Axos Bank Basic Business Checking $100 Cash Review
Ally Invest Up to $3,000 Cash Review
BlockFi Up To $250 BTC Review
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
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