This site does not include all credit card companies or all available credit card offers. All reviews are prepared by CreditCards.com staff. It's free to enroll and monitoring begins as soon as you're signed up. Then, click the "Sign On" to access your online account. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. The variable penalty APR is up to 29.99%. The Citi Custom Cash card earns rewards that are automatically tailored to where you spend most. The offers that appear on this site are from companies from which CreditCards.com receives compensation. The Citi Custom Cash Card is inventive when it comes to cash-back credit cards. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Just be sure you aren't missing out on rewards in your second- and third-highest categories. But you can book some of the best first-class flights in the world with ThankYou points, including Emirates first class and Singapore Airlines first class. This wont impact your credit score. The Citi Custom Cash Card includes zero liability protection. Privacy Policy. Application link: Citi Custom Cash Card with $200 cash back after you spend $1,500 on purchases in the first six months of account opening. You may find that your spending habits change frequently and want a card customized to your lifestyle. Then, click the Sign On to access your online account. For all balance transfers, Citi will charge you a balance transfer fee of $5 or 5 percent of each transfer, depending on which one is greater. Earning cash with Citi Custom Cash is easier than ever, with no need for cardmembers to manually select, enroll or change reward categories on a periodic basis; instead, the card automatically adjusts to where their spending is trending. Sign in with your account information, or set up online access to your account (most bank websites have a login or signup box on the landing page). The offers that appear on this site are from companies from which CreditCards.com receives compensation. 0 When you click on Content published under this author byline is generated using automation technology. See the online credit card applications for details about the terms and conditions of an offer. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. All rights reserved Citibank UK Limited 2023. By providing my email address, I agree to CreditCards.coms The other important aspect of maximizing rewards is redeeming them. Citi Entertainment Benefits Be first in line for tickets to your favorite event with special presale privileges and exclusive experiences, only available for cardholders. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. *Information about the Citi Prestige Card has been collected independently by CreditCards.com. You'll pay a single $95 annual fee, and you'll earn 2-5x points on all your purchases, which can be transferred to Citi ThankYou travel partners. Editorial and user-generated content is not provided, reviewed or endorsed by any company. You can request a statement credit or direct deposit at any time. If youre carrying a small amount of credit card debt or planning to make a big purchase soon (for example, a new couch, dishwasher, wardrobe makeover or textbooks), you may appreciate this cards intro APR offer. The top eligible spend categories of the Custom Cash Card are restaurants, gas stations, grocery stores, select streaming services, select travel, select transit, home improvement stores, fitness clubs, live entertainment and drugstores. The communications can look real. It may help you determine if youd like to add the card to your wallet. What's the starting credit limit for the Citi Custom Cash Card? You also have fraud early-warning detection built in. Put $0 if you currently don't have a rent or mortgage payment. We are committed to being fully transparent with our readers. With the increasing threat of identity theft, its good to have security features designed to help protect your information. The primary reason to consider the Citi Custom Cash Card is because of the innovative rewards structure, as the card offers: Eligible spending categories include the following: These rewards can be transferred to the Citi ThankYou travel partners as long as you have either the Citi Premier or Citi Prestige. Check the data at the top of this page and the bank's website for the most current information. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. To check your credit card balance over the phone, call the customer service number you see on the back of your credit card. Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. And there are specific hotel redemptions that can be more lucrative. This card differentiates itself from other options on the market by providing the unique ability to earn up to 5% back on your top spending category each billing cycle on up to the first $500 spent. (Note that AT&T TV NOW has recently rebranded as DirectTV Stream). CreditCards.com is an independent, advertising-supported comparison service. High cash back in popular categories. It also includes merchants that sell electricity for charging an electric vehicle. Then, just follow the prompts to reset or retrieve your username or password. Emirates doesn't have an award chart but you can use its miles calculator to find the price of any award itinerary. Choice Hotels has a large footprint in Scandinavian countries, where other chains aren't as common and points bookings can be a great deal. Here are all the ways to earn Citi ThankYou points and the best ways to redeem them for maximum value. Chase will set the bonus categories each quarter, but in the past, weve seen common vendors such as Amazon, Walmart, home improvement stores and gas stations included in these rotating categories. The Citi Custom Cash Card also gives customers the chance to save money on interest for more than a year. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Enter your cell phone number and well send you a link to install the WalletHub app. , which can hurt your chances of getting a good credit card in the future. However, for any rewards credit card, half the ball game is the redemption options so that all the work you put into earning rewards doesnt go to waste. This makes Citi not as competitive with Chase where your Freedom points can be merged and used as Sapphire ultimate rewards points with no restrictions. In the interest of full disclosure, OMAAT earns a referral bonus for anyone thats approved through some of the below links. Youll pay a single $95 annual fee, and youll earn 2-5x points on all your purchases, which can be transferred to Citi ThankYou travel partners. Some features on the website may not work. Call Citibank customer service at 1-800-950-5114, or call the number on the back of your Citi Custom Cash credit card. Afterwards, your regular APR will go up to 18.74 percent to 28.74 percent variable. For example, the Citi Rewards+ Card offers a 10% rebate on points redemptions (on the first 100,000 points you redeem per calendar year). If you dont already have an account, you will need to start by clicking Register for Online Access in order to set up a username and password. While we do try to list all the best miles and points deals, the site does not include all card companies or credit card offers available in the marketplace. Well run a soft credit pull, which wont impact your credit score, Youll see your estimated approval odds near cards to help you narrow down your options. This allows you to book flights to/from anywhere in the U.S. that United flies for the set price of 7,500 one-way in economy or 12,500 one-way in business class. This card is excellent for beginners since youll earn 1% when you buy and 1% when you pay off your bill (for a total of 2% cash back on all your purchases). The combination of the Citi Premier Card , Citi Double Cash Card, and Citi Custom Cash Card, seems pretty awesome. However, the best way to get the most value out of your Citi points is usually to transfer them to one of Citi's 16 partner airline and hotel loyalty programs: By transferring ThankYou points to Turkish Airlines Miles & Smiles you could fly a family of four from the U.S. East Coast to Hawaii and back for only 60,000 points. Citi Identity Theft Solutions, which will assist you if youre experiencing identity fraud or theft. The first card to consider would be the Citi Double Cash. is a freelance writer and blogger specializing in personal finance. There are many options on the market today for those who want to avoid paying an annual fee altogether. Learn More Earn 20,000 Bonus ThankYou Points after qualifying purchases. Wallethub doesnt charge for this service. Citi cards that earn ThankYou points include: 3X points per $1 spent at restaurants, supermarkets, gas stations, and on hotels and air travel, 1X points on all other purchases, 60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening, For a limited time, earn 5 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through June 30, 2024. JetBlue TrueBlue can be a good option for cheap flights because it prices award flights dynamically. Some credit card applications stay in pending status for up to 30 days. Rest assured that even if you are eventually denied, you still have plenty of options. Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. If youre someone who has cards earning Citi ThankYou points, then it totally makes sense to pick up the Citi Custom Cash Card: The combination of theCiti PremierCard,Citi Double Cash Card, and Citi Custom Cash Card, seems pretty awesome. Citi launched a no-annual-fee cash-back credit card in June to help consumers put more money back in their pocket on the things they spend the most on. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Our top goal is simple: We want to help you narrow down your search so you dont have to stress about finding your next credit card. Earn unlimited 1% cash back on all other purchases. You should be able to do most things on the app that you can do on the issuers website, but banking app features vary from issuer to issuer. Which wealth management service is best for you? Citi Cards: Log In or Apply Citi Cards Monday through Friday 9am to 8pm ET Additional Phone Numbers Technical Assistance 1-888-345-8034 For TTY: Use 711 or other Relay Service Outside the U.S., Canada and Puerto Rico, Call Collect 1-423-477-6612 Delivery/Express Payments Attn: Consumer Payment Dept. It can also make sense to have more than one Citi card because there's a synergy with certain benefits. If you max out the $500 spending limit each billing cycle, youll earn $25 in cash-back rewards per month for a potential maximum of $300 in rewards annually. Were sorry, but something went wrong and we couldnt find your approval odds. That means youll earn 5% back (or 5 points per dollar) on the first $500 spent on your top eligible spending category. Best Way to Get a Citi Custom Cash Credit Card PIN. This feature allows you to lock your card and block new charges until you find it or receive a replacement. At the time of writing, there are a handful of Choice Hotels available in Oslo, Norway for 16,000 Choice points per night. A handful of rewards credit cards issued by Citi earn ThankYou points but if you want access to all of Citi's transfer partners, you'll need an annual fee card like the Citi Premier Card. According to the Millennials surveyed, more than one-third (36%) said their spending has changed over the last year and their current credit cards dont reward their new spending patterns. Either way, it pays to look at your last six to 12 months of purchases to better understand your spending habits and know if the Citi Custom Cash is a good fit for you. You'll typically get around 1.1 to 1.5 cents per point depending on the flight you book. The Citi Custom Cash Card has no annual fee, and you can also add authorized users to the card at no extra cost. Opinions expressed here are the authors and/or WalletHub editors'. Also, earn unlimited 1% cash back on all other purchases. Thats where the Citi Custom Cash comes in. This card also has no annual fee and youll earn 5% back on up to $1,500 in purchases on rotating bonus categories each quarter you activate which breaks down to roughly $500 in spending each month. For example, you might earn 5 percent cash back on groceries one month, if that's where you spend the most money, but the next month you could earn 5 percent back on dining. 2x points on all other eligible purchases. That privilege is reserved for cardholders of the Citi Premier Card and the Citi Prestige Card*. Rewards rate that highly favors travel purchases. Citi is an advertising partner of OMAAT. The Citi Custom Cash is light on other benefits, which isnt surprising since theres no annual fee. The eligible spending categories include: Once you reach the $500 cap for earning 5 percent back on your top spending category, youll keep earning 1 percent back on those purchases in the same category until a new billing cycle begins. Citi Custom Cash Card: 5x Points & No Annual Fee, Citi Custom Cash Card Details For April 2023, Citi Custom Cash Offers 20,000 ThankYou Points (Or $200), Citi Custom Cash 5x ThankYou Points (Or 5% Cash Back), How Citi Custom Cash Bonus Categories Are Defined, How Citi Custom Cash Fits Into Citi ThankYou Ecosystem, Citi Custom Cash Is No-Brainer If You Earn ThankYou Points, Citi credit card application restrictions, American Airlines Credit Card Eligibility Rules Explained, Citi AAdvantage Executive Card Review: Best Admirals Club Deal, Please view our advertising policy page for additional details about our partners, 5x ThankYou points (or 5% cash back) on your top eligible spending category, on up to $500 spent each billing cycle, 1x ThankYou points (or 1% cash back) on all other purchases, Your top eligible spending category can change with each billing cycle, and youll automatically receive the 5x ThankYou points (or 5% cash back) on whatever your highest spending category is, Theres no need to register, or to specify in which category you want to earn 5x points, as it will be automatically determined, Drugstores includes standalone drugstores and generally includes pharmacies in grocery stores, general merchandise and discount superstores, and wholesale and warehouse clubs, Fitness clubs includes membership fee and other purchases at athletic, sports, and recreation facilities requiring memberships, such as health, tennis, and swimming clubs, Home improvement stores includes home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries, varnishes, and supplies stores, Live entertainment includes concerts, live sporting events, live theatrical productions, amusement parks, and orchestras, Restaurants includes cafes, bars, lounges, and fast food restaurants, Select streaming services includes the following cable, satellite, and streaming service providers Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal, Select travel includes airline, hotel, cruise line, and travel agency purchases, Select transit includes car rentals, ferries, commuter railways, subways, taxis, limousines, car services, passenger railways, bridges and road tolls, parking lots and garages, bus lines, and motor home and recreational vehicle rentals, The card has a solid bonus, particularly given that it has no annual fee, and youre eligible even if youve received the bonus on other Citi cards, Being able to earn 5x ThankYou points per dollar in the select category where you spend the most (with a $500 limit per billing cycle) all for a no annual fee card is a great opportunity, As you can see, you have your choice of several bonus categories, from more niche categories like drugstores and home improvement stores and fitness, to more mainstream categories like dining and gas stations. The Citi Custom Cash card comes with $200 cash back if you spend $1,500 on purchases within the first six months and has no annual fee. You can see your FICO Bankcard Score 8, provided by Equifax, online or through the Citi mobile app. Standard message rates apply. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). That means you can earn cash back virtually anywhere you go. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Cash advance feeeither $10 or 5% of the amount of each cash advance, whichever is greater. The cash price of this flight is normally $11,000+, that's a value of over nine cents per point. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Citi Launches Custom CashA Next-Gen Cash Back Credit Card highlights No-annual-fee* Mastercard automatically adapts to reward cardmembers with 5% cash back on their top eligible spend category each billing cycle New York - Today, Citi is launching a different kind of no annual fee* cash back credit card: Citi Custom Cash. Power packed banking features on your mobile, Manage your FX exposure with our FX Order Watch.Book your rate, and let us do the rest, Citi Debit Card: three currencies, one card, Access your Citigold US Dollar, Euro and Pounds (GBP) accounts with one single Citi Debit Card. For more information about the new Custom Cash Card, visit citi.com/customcash. If youre adding the Citi Custom Cash on top of your Citi Prestige or Citi Premier cards, you can unlock the option to convert your points into miles with Citis hotel and airline transfer partners to extract potentially greater value from them. After the introductory period ends, your standard APR for purchases will be applied to unpaid promotional balances, new purchases and new balance transfers. Thanks to the flexibility of the Citi Custom Cash rewards structure, this card is great for everyday spending. The Citi Custom Cash card is a perfect choice for any customers who want to be rewarded for simply being themselves. The card details on this page have not been reviewed or provided by the card issuer. This card comes with a unique rewards rate that changes each billing cycle, giving cardholders the flexibility to earn an excellent 5% back on purchases that traditionally wouldnt fit under the fixed categories offered by other cards. While you can potentially product change another Citi credit card to this one, you wouldnt be eligible for the welcome bonus if you went that route. Could it be people just think these Custom Cash points are not tracked differently by Citi? However, airfare is only one cost associated with traveling, and being able to offset the cost of lodging with your credit card rewards or hotel points is useful. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. You can purchase gift cards with Citi points (one cent per point) and there occasionally are gift card sales for 10% off. Fill out the application with your personal information, read though the terms and conditions, and hit "Agree & Submit." As you can see, Citi points are almost always worth at least one cent apiece, with only a few redemption options providing less value. Warning: Investment Scams!Beware, Investment Scams are on the rise. Additional reporting by Ryan Wilcox and Chris Dong. Can you upgrade a Wells Fargo Platinum credit card? This card offers cash back rewards that adjust to how you spend from month to month by rewarding you with 5 percent cash back on your top spend category, on up to $500 every month. With the right program, you can book expensive business- or first-class flights worth thousands of dollars. Not only does the Citi Custom Cash function as a great cash back card, but it also works decently as a balance transfer card. Request up to 100 cashback when making in-store purchases. For more information, check out. Your personal information and data are protected with 256-bit encryption. Catch up on CNBC Select's in-depth coverage ofcredit cards,bankingandmoney, and follow us onTikTok,Facebook,InstagramandTwitterto stay up to date. You could use the Citi Custom Cash to complement any of the below cards (which can all potentially earn Citi ThankYou points): When you throw in the ability to also earn 5x points in a category of your choice with the Citi Custom Cash Card, thats a great complement to any of the above cards. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Citi ThankYou points are easy to earn with the right Citi credit cards and have the right mix of redemption options to provide you value and flexibility. Stay connected with the latest travel, aviation, and credit card news. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. In fact, recent Citi research shows that 82% of Millennials' spending varies month-to-month based on their shifting interests and priorities and 87% expressing a desire for a credit card that does the work for them to maximize their rewards based on their changing spending patterns. The fees you pay vary depending on where you're flying and which airline, or airlines, you're flying with. For an explanation of our Advertising Policy, visit. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments. You will qualify for the bonus offer only if you have not received a bonus offer for opening a new Citi Custom CashSM Card in the past 48 months. Your credit cards journey is officially underway. Choice Hotels also runs the Sweet Spots promotion, which features discounted award rates at select hotels and can yield similar values per point. Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. Though Citi doesnt offer quite as many of these promotions as other card issuers, you still have a chance to snag a top match. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. articles, Do Not Sell or Share My Personal Information, Select travel (including flights and hotels), Travel booked through ThankYou Rewards Center. You may find that some of the quarters on the Flexs rotating calendar and its regular bonus categories may not align with your lifestyle. You can check your credit card balance online, via mobile app, or over the phone. Citi will only issue one Citi Custom CashSM Card account per person. The Citi Custom Cash Cards rewards structure and card benefits pack a punch, making it an excellent cash back card. Please be advised that this site is not optimized for use with Microsoft Internet Explorer 6. Well use this information to to verify your credit profile. Balance transfer feeeither $5 or 5% of the amount of each transfer, whichever is greater. Inform the representative that you want a new card PIN. One of the best deals in first-class is flying from New York to Milan, which costs 102,00 miles and $104 one-way. Please view our advertising policy page for more information. So if youre denied for one card, it doesnt mean you cant be approved for another. The card earns 1% back thereafter. Withdraw up to 1,000 cash at ATMs per day if you are a Citigold or Citigold Private Client, or up to 500 per day for all other clients. Your email address unlocks your approval odds. If youve lost your sticker or youre just wondering heres a quick reference guide to credit card activation with some of the biggest card issuers. Our take: The Citi Custom Cash Card should offer terrific value to low-maintenance cardholders and rewards experts alike since it automatically rewards your top spending category each billing cycle. Thank you! Privacy Policy. The issuer did not provide the details, nor is it responsible for their accuracy.
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