Citi Custom Cash℠ Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash℠ Card account per person.
• Select “Apply Now” to learn more about the product features, terms and conditions
• View Rates and Fees

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

One of the most important features to look for in a credit card. No surprises at the end of the year when your credit card comes up for renewal.

It’s all rainbows with the 0% intro APR on balance transfers, but don’t forget the unicorn—a 5% fee attached to it. If transferring a balance is on your mind, this fee deserves a spot in your calculations.

For the Global Trotters: If your heart yearns for foreign shores and you’re swiping this card overseas, remember the 3% foreign purchase transaction fee. Think of it as the cost of taking your card on an international adventure

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Flexibility is the Citi Custom Cash Card’s middle name, but there’s a little asterisk to it. That high-reward category comes with a $500 spending cap each month. So, while you’re plotting those grand spending sprees, this cap is something to keep in mind.

Sometimes, life throws curveballs, prompting a cash advance consideration. But with a 5% fee (minimum $10), make sure it’s a well-thought-out pitch.

Imagine for a moment that you’re seated at an upscale restaurant, surrounded by elegant decor and the soft hum of conversations. A series of gourmet dishes are presented before you, each more tantalizing than the last. As you savor each bite, you suddenly find a tiny pebble in one of the courses. Now, would this minor hiccup deter you from enjoying the entire meal? Or would the array of delicious dishes that preceded it overshadow this small setback?

Similarly, the Citi Custom Cash℠ Card can be likened to this luxurious dining experience. Yes, like any other card, it might have its small inconveniences, but its vast array of benefits far outweighs these minimal setbacks. The question you need to ask is, do the multitude of advantages line up with your lifestyle? If so, this might be the game-changer in your financial portfolio.

But let’s dive a bit deeper, shall we?

Every card, product, or service will have its tiny stones – those minor irritants that, at times, make us second-guess our choices. But it’s essential to look beyond these and focus on the broader picture. And in the case of the Citi Custom Cash℠ Card, the larger image is brimming with benefits that can seamlessly integrate into various lifestyles. Whether you’re a frequent traveler, a shopaholic, or someone who loves cashing in on rewards, this card might just be the versatile companion you’ve been searching for.

Now, remember our gourmet meal analogy? Think of this card as your financial multi-course meal. Each benefit it offers is like a delicious dish, curated to tantalize your fiscal taste buds. And while there might be that occasional pebble, the overall experience remains largely delightful.

Making a choice, especially in the financial domain, is rarely easy. It often requires a blend of introspection, understanding your needs, and a dash of foresight. But when a product like the Citi Custom Cash℠ Card comes along, which seems to resonate with a broad spectrum of needs, the decision becomes a tad simpler.

So, here’s the bottom line: If you’re looking for a card that offers a balance of bountiful benefits with minor costs, the Citi Custom Cash℠ Card might just be your golden ticket. It’s not just about the tangible perks but also the peace of mind knowing that you’re backed by a card that understands and complements your lifestyle.

In the grand tapestry of financial products, where does the Citi Custom Cash℠ Card fit in for you? Is it the main course of your fiscal feast or just a delightful appetizer? Only you can decide.