Custom Cash Card Application: Everything You Need to Know

A custom cash card application is a personalized debit card that allows you to manage your finances in a more flexible and convenient way.

You can apply for a custom cash card online or through a mobile app, and the process typically takes just a few minutes.

The card can be linked to your bank account, making it easy to track your spending and stay on top of your finances.

Custom cash cards often come with features like spending limits, transaction tracking, and budgeting tools to help you manage your money effectively.

To apply for the Citi Custom Cash Card, start by going to the application page on Citibank's website or clicking the "Apply Now" button on sites like WalletHub.

You'll need to read over the terms and conditions of the card to understand how it works before applying.

Fill in your personal information, including your name, address, phone number, SSN or ITIN, and date of birth.

Related reading: How to Apply for Cash Card

You'll also need to provide financial information, such as your income, sources of income, employment status, and housing status.

Authorizing Citibank to do a hard pull of your credit report is a necessary step in the application process.

Double-check your application to ensure it's complete and all information is accurate before submitting.

The application process can take up to 14 days, but you may receive a decision right away.

If approved, you can expect to receive your new card in the mail within 7-10 business days.

Here are the steps to apply for the Citi Custom Cash Card online:

Go to the application page on Citibank’s website or click the “Apply Now” button on sites like WalletHub to be taken there.Read over the terms and conditions of the card to make sure you understand how the card works before you apply.Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.Fill in the requested financial information such as your income, sources of income, employment status and housing status.Authorize Citibank to do a hard pull of your credit report, which will help them evaluate if you are qualified to get the card.Double check to make sure the application is complete and all the information is accurate.Submit the application.

Take a look at this: Check into Cash Sell Gift Card

The Citi Custom Cash Rewards program is a great way to earn cash back on your purchases. 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 means that if you spend $500 in a category that earns 5% cash back, you'll earn $25 in cash back. The categories that earn 5% cash back include restaurants, gas stations, grocery stores, select travel, transit, streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

You can earn an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel portal through 6/30/2026. This is a great way to earn even more cash back on your travel purchases.

The Citi Custom Cash Rewards program also offers a special promotion for January 2025, which includes cash back in the following categories: restaurants, gas stations, grocery stores, select travel, transit, streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

For another approach, see: Apple Card 5 Cash Back

Here are the categories that earn 5% cash back on the Citi Custom Cash Rewards program:

You can also earn an initial bonus of $200 for spending $1,500 in the first 6 months after opening an account. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.

To apply for a custom cash card, you'll need to pay a one-time issuance fee of $10. This fee is non-refundable, so make sure you're committed to using the card.

The card issuance fee is separate from any monthly maintenance fees, which can range from $5 to $15, depending on the card type and usage. Some cards may also come with additional fees for certain services.

You'll typically need to provide identification and proof of income to qualify for a custom cash card, and the specific requirements may vary depending on the issuer and your individual circumstances.

On a similar theme: Lowest Credit Card Processing Fees for Small Business

The Citi Custom Cash Card is a great option for those looking to minimize foreign transaction fees. No foreign transaction fee is charged on this card, which means you can travel abroad without worrying about extra charges on your purchases.

This fee exemption can be a huge money-saver, especially for frequent international travelers.

Readers also liked: Wells Fargo Active Cash Card Foreign Transaction Fee

Your credit score plays a significant role in determining whether you'll get approved for the Citi Custom Cash Card. To be more specific, the credit score requirement is 700 or better.

This means that individuals with good credit have a better shot at getting approved for this card. However, credit score is just one factor among many that will impact your chances of approval.

A good income, manageable existing debt load, and a reasonable number of open accounts can also contribute to your approval chances.

On a similar theme: Is Citi Custom Cash Card Good

When you're ready to return an item, the process is relatively straightforward. The Citi Custom Cash Card has no foreign transaction fee, which means you can shop abroad without incurring additional charges.

You can return purchases made with the Citi Custom Cash Card to the original merchant, but be aware that some merchants may have specific return policies. The issuer of the card is Citi.

Some merchants may offer a refund to your Citi Custom Cash Card, while others may issue a refund to the original payment method. Return policies vary by merchant.

If you need to return a purchase, contact the merchant directly to inquire about their return policy and any associated fees. Information about the Citi Custom Cash Card has been collected independently by CNBC Select.

A unique perspective: Apple Card 3 Cash Back Merchants

Pre-approval can give you a leg up on getting approved for the Citi Custom Cash card, but it's not a guarantee. If you're pre-approved, you'll have around a 90% chance of approval.

You can check for pre-approval online by visiting the Citi pre-selection webpage and entering your personal details. This will give you a soft inquiry, which won't affect your credit score.

Here's an interesting read: Can You Transfer Cash to a Pre Debit Card

If you're pre-selected, you'll see a list of credit cards that you're eligible for, including the Citi Custom Cash card. You can then apply for the card directly from the pre-selection webpage.

Pre-approval is different from pre-selection, and it's only triggered by a pre-approved offer received by mail or email. You can respond to the offer by visiting Citi's dedicated webpage and entering the invitation code.

A good credit score of 700+ will give you good approval odds for the Citi Custom Cash card. Your annual income and existing debts will also be taken into account when evaluating your application.

Here's a summary of what you need for good approval odds:

Keep in mind that a hard inquiry will be triggered if you submit an application, which may lead to a slight decrease in your credit score.

The Citi Custom Cash Card has a WalletHub rating of 4.3, which is based on its ability to earn gas rewards. This is one of the highest ratings among credit cards.

The card has a 4.4 Editor's Rating, which is based on user reviews and market comparison. It also has a relatively low annual fee of $0.

Here's a comparison of the Citi Custom Cash Card with two popular alternatives:

All three cards have a 0% purchase intro APR for 15 months, which is a great feature for new cardholders. However, the Wells Fargo Active Cash Card has a shorter purchase intro APR period of 12 months.

If you're looking for alternatives to the Citi Custom Cash card, there are several options worth considering. The Discover it Cash Back card, for example, has a 4.3 WalletHub rating and offers 1 - 5% Cash Back rewards.

The Wells Fargo Active Cash card also stands out, with a 4.4 WalletHub rating and 2% Cash Rewards. Both of these cards have a $0 annual fee, which is a major plus.

One key difference between the Citi Custom Cash card and its alternatives is the rewards rate. The Discover it Cash Back card and the Citi Custom Cash card both offer 1 - 5% Cash Back, while the Wells Fargo Active Cash card offers a fixed 2% Cash Rewards.

Here's a quick comparison of the three cards:

Ultimately, the best card for you will depend on your individual needs and preferences.

Reviews of the Citi Custom Cash Card are overwhelmingly positive, with many users praising its generous cash back rewards.

Up to 5% cash back is offered on various purchases, making it a great option for those who want to earn rewards on their everyday spending.

The Citi Custom Cash Card also offers 0% introductory APRs, giving users some breathing room on their payments.

This can be a big help for those who need to make a large purchase or consolidate debt.

In our expert opinion, the Citi Custom Cash Card stands out for its simplicity and rewarding cash-back benefits.

This card automatically earns bonus rewards where you spend the most, making it a great option for those who want to maximize their earnings without much fuss.