Understanding the Custom Cash Card and Its Perks

A custom cash card is a personalized debit card that can be tailored to suit your spending habits and financial goals.

You can customize the card's design, name, and even add a photo to make it truly unique.

The card can be linked to your existing bank account, making it easy to manage your finances.

With a custom cash card, you can set budget limits, track expenses, and receive real-time alerts to stay on top of your spending.

The Citi Custom Cash Card offers a range of benefits and features that make it a great choice for cash back rewards. Here are some of the key benefits:

The card earns 5% cash back on up to $500 spent in your highest spend category per billing cycle, and 1% back on other purchases. This means you can earn a significant amount of cash back on your daily expenses, without having to worry about rotating categories or activation.

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One of the standout features of the Citi Custom Cash Card is its automatic rewards adjustment. As your spending habits change from one billing cycle to another, your 5% cash back rate will automatically adjust to match your new spending patterns. This makes it easy to earn rewards without having to think about it.

Here are the 10 eligible categories that earn you 5% rewards:

Additionally, the card offers a generous introductory offer: earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This is a great way to get started with the card and earn some extra cash back.

The Citi Custom Cash Card offers a solid foundation for your everyday spending.

The card type is a cash back card, which means you'll earn rewards on your purchases.

You'll earn 5% cash back on up to $500 spent in your highest spend category per billing cycle.

This cash back reward is earned from a list of eligible options, which are not specified in the article.

You'll earn 1% back on other purchases, which can add up over time.

A special offer through June 30, 2026, gives you an additional 4% back on hotels, car rentals, and attractions booked on Citi's rewards portal.

Rewards are earned in the form of ThankYou Points, which can be redeemed for cash back.

You can redeem ThankYou Points for cash back as a direct deposit, check, or statement credit at a value of 1 cent per point.

Points values will vary depending on what you choose to redeem them for.

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The Citi Custom Cash Card offers a range of benefits that make it a valuable addition to your wallet.

The card earns 5% cash back in your top eligible spending category, with a spending cap of $500 per billing cycle. This means you can earn a significant amount of cash back on your everyday purchases.

One of the key benefits of the Citi Custom Cash Card is its ability to automatically adjust your 5% cash back category based on your spending habits. This means you don't have to remember to activate your bonus categories or worry about keeping track of your spending habits.

The card also offers a special travel offer, earning an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through June 30, 2025.

Here are the 10 eligible categories that earn 5% cash back on the Citi Custom Cash Card:

By paying for all your subscriptions or big expenses in a given category in a single billing cycle, you can maximize your rewards and earn more cash back on a wider variety of purchases.

The Citi Custom Cash Card offers elevated cash back rewards in a variety of categories, making it a valuable addition to your wallet.

You can earn 5% cash back on up to $500 spent in your top eligible spending category each billing cycle, plus unlimited 1% on all other purchases.

The 10 eligible categories that earn you 5% rewards are: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

Additionally, through June 30, 2026, you can earn 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal.

To maximize your rewards, consider paying for all your subscriptions or big expenses in a given category in a single billing cycle, such as paying for all your fitness club memberships in full in January and renewing your annual transit passes in February.

Here's a breakdown of the 5% cash back categories and their earning potential:

This means that if you spend $500 in one of these categories each billing cycle, you'd earn at least $25 cash back, which comes to $75 per quarter or $300 per year.

The Citi Custom Cash Card has some important fees to be aware of.

There is no fee to add authorized users to the card. This can be a great way to earn cash back faster and max out the $500 cap on the 5% back category.

You'll need to watch out for the foreign transaction fee, which is 3% on the Citi Custom Cash Card. This makes it a bad choice for international spending and travel.

Overall, understanding the fees associated with the Citi Custom Cash Card can help you use it wisely.

The Citi Custom Cash Card offers a lot of flexibility when it comes to transferring your points. You can move your Citi Custom Cash points to one of the eligible cards listed above.

To do this, you'll need to use the Citi Points Transfer Calculator. This calculator will help you determine how many points you can transfer and how they can be used with all partners at the best transfer ratios.

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Here's a list of Citi transfer partners you can choose from:

The Citi Points Transfer Calculator is a useful tool for maximizing your rewards. By using it, you can get the most out of your points and make the most of your credit card rewards.

A custom cash card is a prepaid card that can be loaded with funds and used for various transactions. You can purchase a custom cash card from a retailer or online.

The card can be funded with a minimum of $20, making it a convenient option for those who want to avoid carrying cash. The funds are stored on the card, which can be used to make purchases or pay bills.

You can check your card balance and transaction history online or by calling the customer service number, which is available 24/7.

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If you're considering opening a new credit card account, it's essential to understand the bank details that come with it.

Citi offers a welcome bonus of $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

The Citi Custom Cash Card has a 0% Intro APR on balance transfers and purchases for 15 months, which can help you save money on interest. After that, the variable APR will be between 18.49% and 28.49%, based on your creditworthiness.

You can earn 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. This can be a great way to earn rewards on your regular purchases.

The Citi Custom Cash Card has no rotating bonus categories to sign up for, so you don't have to worry about keeping track of different categories each month. Your earn adjusts automatically when you spend in any of the eligible categories.

Here are the key bank details to consider:

The Citi Custom Cash Card has a few details worth noting beyond its rewards.

The card doesn't come with extra perks, but it does have some useful features. Citi Entertainment is one of them, giving cardholders special access to live events, including pre-sale tickets.

The card is also contactless-chip enabled, allowing for safe and secure in-person purchases without having to touch a payment terminal.

You'll also get free access to your FICO score every month, which can be a useful tool for tracking your credit health.

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The Citi Custom Cash Card has some great features, but it's essential to consider both the pros and cons before deciding if it's the right fit for you.

The card offers the highest year-round rewards rate available from a no-annual-fee card on several of its potential categories, which can save you a significant amount of money in the long run.

Here are some of the card's key benefits:

On the other hand, the card's benefits don't quite stand out compared to similar cards, and it doesn't offer some of the more extensive perks that other cards provide.

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The Citi Custom Cash Card has some drawbacks that might make you think twice about using it as your go-to rewards card. One con is that the low rate outside of bonus categories can be a letdown.

You'll only earn a higher rewards rate in one category each billing cycle, which might not be as rewarding as rival cards that offer elevated cash back in multiple categories.

The elevated bonus category has a relatively low reward spending cap for each billing statement, which can reduce your earning potential if you spend heavily in one category or have authorized users sharing the account.

This can be a problem if you have a large family or roommates who use your card for everyday expenses, as the cap can quickly be reached.

Here are some key cons to keep in mind:

This card offers some amazing benefits that make it a great choice for those looking for a no-annual-fee option.

It could offer the highest year-round rewards rate available from a no-annual-fee card on several of its potential categories. This means you can earn more rewards without having to pay an annual fee.

There's no need to activate bonuses or keep track of spending, since the top rate is automatically applied each billing cycle to the highest category. This makes it a low-maintenance option that's easy to use.

The card can pool rewards with other eligible Citi cards, making it an excellent partner for other Citi cards that earn ThankYou points. This is a great feature for those who have multiple Citi cards and want to maximize their rewards.

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The Citi Custom Cash Card has some great perks that make it stand out. It can offer the highest year-round rewards rate available from a no-annual-fee card on several categories, making it a great choice for those who want to maximize their rewards.

One of the best things about this card is that it automatically applies the top rewards rate to the highest category each billing cycle, so you don't have to worry about tracking your spending or activating bonuses.

The Citi Custom Cash Card is also a great partner for other Citi cards that earn ThankYou points, allowing you to pool your rewards and earn even more.

Here are some of the card's benefits at a glance:

While these benefits are nice, they don't quite give the Citi Custom Cash Card an edge over top reward cards in terms of overall value.