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Citi is one of the largest banking institutions in the USA and has over 200,000 employees. It currently controls over $23 trillion worth of assets. The company offers personal banking accounts, investments, credit cards, and more.
The Citi Custom Cash® Card offers cashback benefits with no annual fee. You get 0% APR for the first 15 months and a $200 cashback welcome bonus. Applying is quick and easy, and there’s credit card support available 24/7 over the phone.
This card is a great choice for single-category spenders, as the 5% cash back is incredibly generous, especially for a card with no annual fee. So if you spent the majority of your monthly credit on one thing (such as grocery stores), this card can earn you a lot of cash back without you having to adjust how you spend.
The interest rate for the Citi Custom Cash® Card is 18.49%-28.49% (Variable), depending on your creditworthiness. This card has an intro APR of 0% for the first 15 months for all purchases and balance transfers.
It has no annual fee, but there are a couple of other fees that cardholders are responsible for.
Balance transfer fee | Either $5 or 5% of the transfer amount, whichever is larger. |
Cash advance fee | Either $10 or 5% of the transfer amount, whichever is more. |
Foreign purchase transactions | 3% of each transaction |
Fee for late payment | See Terms |
Returned payment fee | Up to $41 |
The cash back earned by using this card comes in the form of ThankYou® rewards points. Each of these points is equivalent to one cent, so 100 points is equal to one dollar. You get five points per dollar spent each billing cycle on your top spending category. This can be grocery stores, restaurants, gas stations, fitness clubs, travel, home improvement stores, and more.
However, you only get this 5% cash back on the first $500 spent in your top category each month. Outside of your top category (and once you’ve reached the $500 spent in your top category per billing cycle), you get one point per dollar spent on everything else.
The rewards points are easy to redeem and can be redeemed for cash back as a statement credit, or direct deposit, as well as for gift cards, travel, and more. There’s also a welcome bonus of $200 cash back after you spend $1,500 on purchases within the first six months.
Plus, you can earn an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through 6/30/2026.
You can apply for this card over the phone or online. Calling to apply is straightforward and the agent you speak to will walk you through the process. If you decide to apply online, begin the process by clicking on Apply Now on the card information page.
The first step is to provide your personal information. This includes name, date of birth, social security number, address, phone number, and email. Next up, the application asks for your financial information, which includes your total annual income and your monthly mortgage or rent payment. You have the option to add an authorized user if you so choose.
The next step is to read through the terms and conditions for the card, and check a few boxes saying you’ve done so and understand them. Then you can finally submit the application. Once you’ve submitted, Citi will process the application, check your credit, and either approve or deny your application.
If you need assistance, you can reach out to Citi customer support over the phone at 1-800-950-5114. The company offers phone support 24/7, and getting in touch with support is easy.
You can also go to @AskCiti on X (formerly Twitter) to chat with support between 9am to 10pm ET. The Citi website has a comprehensive and searchable help center, as well as numerous answers to frequently asked questions.
Citi is trusted by hundreds of millions of people from around the world and takes security seriously. It has SSL encryption on its website, and provides two-factor authentication to further protect private information.
The company has many features to protect credit card customers from fraud and other issues. For example, it offers Citi® Quick Lock, which lets you instantly block new charges if you lost your card, while allowing recurring ones to continue as normal.
There’s also Fraud Early Warning that watches your account for suspicious activity, and you’ll never be responsible for unauthorized charges with Citi.
It has a detailed online security center that goes over more about how the company protects you, how you can protect your account, ways to identify scams, and more. Citi is also a member of the FDIC to protect those who use its deposit products and services.
No, the ThankYou® points you earn never expire as long as your account stays open. If you close your account or switch to a card that isn’t a part of this program, you have 60 days to use the points before they’re lost.
No, there’s no limit. You’ll only earn the 5% cash back on your first $500 spent in your chosen category each billing cycle, but will always earn the 1% cash back no matter how much you spend.
The Citi Custom Cash® Card has no annual fee and provides 5% cash back on your favorite type of spending. It has a great welcome bonus and intro APR offer, as well as great customer support and unlimited cash back.
This review was created using information from the company website, as well as the privacy policy and disclosures page.
