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Citi Custom Cash℠ 
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Score Needed: Good
Citi Custom Cash℠ 
At a glance
Welcome Offer

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.

Limited Time Offer
New Offer
All time high
Rewards

5% cash back on your top eligible spend category each billing cycle up to $500 spent.

5% cash back on your top eligible spend category each billing cycle up to $500 spent.

1X
Points on other purchases
Intro APR
0% for 15 months on Purchases
Balance Transfer Intro
0% for 15 months on Balance Transfers
Regular APR
18.74% - 28.74% (Variable)
Annual Fee
$0
Citi Custom Cash℠ 

The Citi Custom Cash℠ Card offers a flexible rewards system, earning you 5% cash back on your top eligible spending category each billing cycle, up to $500. No need to juggle categories or remember to activate bonuses. Enjoy no annual fee and a convenient way to maximize your everyday purchases effortlessly. Tailor your rewards to fit your lifestyle seamlessly.

Application Tips
Get the best results with each application
Thinking About 2 Cards?

Notes: No direct line to the reconsideration department. They will usually only reconsider an application due to an error only.

Limit Increase
Credit Inquires
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Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax (depending on your state, search your state in our credit card database)
Application Inquires Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined.
Welcome Offer Eligibility:
Downgrade Options
Getting your card
Rescore your report: Executive call 605-331-1698 — 1-866-713-5028: Fax

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
No items found.

Miscellaneous Benefits

Mastercard ID Theft Protection

Offered by Mastercard®, this program helps eliminate the worry of identity theft by monitoring and alerting cardholders if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins.

Extra Redemption Value

Free Access to your FICO® Score

View your FICO Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile App and Citi Online. See the key factors affecting your score and more.

Citi® Quick Lock

Misplaced your card? Use Citi Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption. It buys you peace of mind and time to find your card.

Citi Entertainment®

Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to music, sports, culinary experiences and more ' from virtually anywhere.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following Citi Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
0% for 15 months on Balance Transfers
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee

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Why We Like it

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Considerations

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Citi Custom Cash℠  Click learn more to see if you qualify
Learn More
links to card app page
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More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article