If you're having trouble with your Citi Custom Cash Card, don't worry, help is just a phone call away. The Citi Custom Cash Card customer service team is available 24/7 to assist you with any issues.
You can reach them by calling the number on the back of your card, or by visiting their website to submit a contact form. They'll do their best to resolve your issue quickly and efficiently.
The Citi Custom Cash Card customer service team is knowledgeable about the card's features and benefits, so don't be afraid to ask them questions about your rewards, payment due date, or any other aspect of your card.
Benefits and Features
The Citi Custom Cash card has some great benefits and features that make it a solid choice for everyday spending. It's light on benefits, but that's to be expected since there's no annual fee.
You'll get access to Citi Entertainment, which helps you find and purchase exclusive tickets for concerts, sporting events, and more. This is a nice perk, especially if you're a music lover or sports fan.
Contactless payment is also available, making it easy to make purchases on the go. You can simply tap your card to pay, no need to dig out your wallet.
A free check of your FICO credit score is another benefit of the card. This can be a big help if you're trying to monitor your credit health.
Here are some of the key benefits of the Citi Custom Cash card:
- Access to Citi Entertainment
- Contactless payment
- Free FICO credit score check
With this card, you'll also get a generous introductory offer: earn $200 in cash back after spending $1,500 on purchases in the first 6 months of account opening. This is a nice chunk of change, especially since there's no annual fee.
Security and Protection
With a Citi Custom Cash Card, you can have peace of mind knowing your account is protected from potential fraud.
Fraud Early Warning is a feature that monitors your account for suspicious activity, and if a potentially fraudulent transaction is detected, you'll be contacted to validate it and take the necessary action to safeguard your account.
If you're ever in a situation where you need to report a lost or stolen card, don't worry, Citi's got you covered.
Using the Card
You can use the Citi Custom Cash Card for all your purchases. The card is designed to make earning cash back easy and automatic.
To earn cash back, simply spend using the card and the rewards will be applied to your account at the end of each billing cycle. The card earns 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back thereafter.
Here's a breakdown of how the cash back rewards work:
You can redeem your cash back rewards for a statement credit, direct deposit, or check, or explore other options like gift cards, travel, or shopping with points at Amazon.com.
How the Card Works
The Citi Custom Cash Card is a solid cash-back card with no annual fee, making it an attractive option for those looking to maximize their purchases.
You'll earn 5% cash back on purchases in your top eligible spending category each billing cycle, up to the first $500 spent. This means you can earn a significant amount of cash back on your regular expenses, such as groceries or gas.
To earn cash back, simply use the Citi Custom Cash Card for all your purchases. There's no need to enroll or sign up, just earn and redeem.
Here's a breakdown of how the cash back rewards work:
You can redeem your points for cash back as a statement credit, direct deposit, or check. Alternatively, you can explore other ways to redeem points, such as for gift cards, travel, or shopping on Amazon.com.
Quick Lock
Using Citi Quick Lock can give you peace of mind, instantly blocking new charges on your card.
You can still allow recurring charges to continue without disruption, which is a big plus if you have automatic payments set up.
If you've misplaced your card, Citi Quick Lock can help you buy some time to find it.
It works by preventing new charges from being made, while keeping existing ones going.
Phone Bill Payment
You can pay your Citi Custom Cash Card bill by phone, and it's a pretty straightforward process. To get started, simply call 1-888-872-2214.
The automated menu will guide you through the payment process, so just follow the instructions. You'll need to enter your card number and other details to complete the payment.
The whole process should only take a few minutes, and you'll be done in no time.
Rates and Fees
The Citi Custom Cash Card has a $0 annual fee, which is a great perk for those who want to avoid extra charges. This makes it a solid option for everyday use.
The rewards rate is 1%-5%, but the exact percentage depends on your spending habits and the categories you use the card for. If you're not sure how the rewards work, don't worry – it's easy to figure out.
To earn a bonus, you'll need to spend $1,500 on purchases within the first 6 months of opening the account. This will get you $200 in cash back, which is a nice incentive to get you started.
The intro APR is 0% for 15 months, which is a great deal for those who want to avoid interest charges. Just remember that this offer only applies for a limited time.
Here are the APRs you can expect after the intro period:
- APR: 18.49%-28.49% Variable
- Cash Advance APR: 29.74%, Variable
- Penalty APR: Up to 29.99%, Variable
If you need to transfer a balance, be aware that there's a balance transfer fee of 5% of the amount transferred, with a minimum of $5. This can add up quickly, so make sure you understand the terms before making a transfer.
You'll also pay a foreign transaction fee of 3% when using the card abroad. This is something to keep in mind if you travel frequently or shop online from international retailers.
Rewards and Redemption
The Citi Custom Cash Card's rewards program is a standout feature. You'll earn 5% cash back on your top eligible spend category each billing cycle, up to the first $500 spent.
To earn the 5% cash back rate, your spending must fall into one of the eligible categories, which include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
The card also offers 1% cash back on all other purchases, making it a solid choice for everyday spending. You'll earn unlimited 1% cash back on all other purchases.
One of the unique features of this card is that it automatically adjusts to reward your highest spending category without the need for activation or tracking. This means you don't have to worry about signing up for rotating bonus categories or tracking your spending.
The cash back you earn is in the form of ThankYou Points, which can be redeemed for any amount in statement credit, gift cards, travel, or direct deposits. You can also redeem a check for at least $5.
Here's a breakdown of the rewards structure:
Keep in mind that each spending category has limitations, and purchases at wholesale clubs and discount superstores aren’t included in the “grocery store” category.
Comparison and Review
The Citi Custom Cash Card's customer service is a mixed bag.
Citi offers 24/7 customer service, which is a big plus for those who need help outside of regular business hours.
You can reach them by phone, email, or through their mobile app, making it easy to get in touch.
However, some users have reported long wait times and difficulty getting issues resolved.
According to our research, Citi's customer service is available in multiple languages, including Spanish, French, and Chinese.
This can be a big help for international travelers or those who prefer to communicate in their native language.
Citi's customer service team is also known for being knowledgeable and helpful, with many users praising their expertise.
However, some users have reported that the team can be slow to respond to emails and messages.
Overall, Citi's customer service is a solid option for those who need help with their Custom Cash Card.
Customer Service
Citi Custom Cash Card customer service is available 24/7 to help with any issues or concerns. You can reach them by phone, email, or online chat.
The Citi Custom Cash Card customer service team can be reached at 1-866-606-8282, which is a toll-free number. This number is available 24 hours a day, 7 days a week.
If you're unable to reach the customer service team by phone, you can also contact them through the Citi website or mobile app. They offer a secure online chat feature that allows you to get help and answer questions quickly.
Phone Service Etiquette
Phone service etiquette is all about being respectful and clear when interacting with customer service representatives over the phone.
To start, you should call the Citi Custom Cash customer service department using the number on the back of your card.
When you're on the phone, you'll be asked to enter your card number or Social Security number, so have those ready.
You'll then hear a brief summary of your account, but you can skip it by saying "skip" at any time.
Speaking clearly and politely to the live representative is key to resolving your issue efficiently.
If you need to communicate specific information, such as your card number, be sure to speak clearly and slowly.
By following these simple steps and being respectful, you can have a positive experience with customer service over the phone.
More Details
If you're looking for a credit card with a cash back offer, the Citi Custom Cash Card has a great deal. You can earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
The card also offers a 0% Intro APR on balance transfers and purchases for 15 months, which can be a huge help if you need to make a large purchase or pay off debt. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
One of the things I like about this card is that it earns 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. This means you can earn more cash back on the things you buy most often.
Here's a breakdown of the categories and cash back rates:
It's worth noting that Citi will only issue one Citi Custom Cash Card account per person, so if you have a joint account, you'll only be able to have one card.
Sources
- https://www.citi.com/credit-cards/citi-custom-cash-credit-card
- https://www.nerdwallet.com/reviews/credit-cards/citi-custom-cash
- https://thepointsguy.com/credit-cards/reviews/citi-custom-cash-review/
- https://www.moneygeek.com/credit-cards/reviews/citi-custom-cash-card/
- https://wallethub.com/answers/cc/citi-custom-cash-customer-service-1000291-2140758026/
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