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The Citi Custom Cash Card offers cash back that adapts to your spending habits. Terms apply to the offers listed on this page. Citi ThankYou Rewards is a flexible rewards program that offers a variety of ways to earn and redeem points, similar to American Express Membership Rewards, Chase Ultimate Rewards and Capital One Miles. The variable penalty APR is up to 29.99%. Find the best credit card for you by reviewing offers in ourcredit card marketplaceor get personalized offers viaCardMatch. It also includes merchants that sell electricity for charging an electric vehicle. Is The White Lotus breaking up with Four Seasons ahead of Season 3? International business-class flights can cost thousands of dollars, so using your credit card rewards to book these awards can unlock exceptional value. Clicking See your approval odds will authorize us to run a soft credit pull, which well need to estimate your approval odds. Sign-up bonus: Citi Custom Cash Card holders can earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. Check the data at the top of this page and the bank's website for the most current information. 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. It costs 50,000 Virgin points one-way for a nonstop business-class award to Europe on Delta and 48,500 points one-way for an off-peak award with Air France or KLM (58,500 points during peak dates). The other important aspect of maximizing rewards is redeeming them. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. This contributes toward a very nice Citi ThankYou card ecosystem, and you can potentially earn a minimum of 2x points and a maximum of 5x points on all your purchases, which is pretty unbeatable. Your Citi Debit Card gives you complete access to your Citi accounts, allowing you to make payments and withdraw cash at millions of locations throughout the world, 24 hours a day, 365 days a year. The information, including card rates and fees, presented in the review is accurate as of the date of the review. If youre into earning Citi ThankYou points and have theCiti PremierCard, then adding this card to your portfolio should be a no-brainer. The Citi Custom Cash Card includes Mastercard ID theft protection, which monitors your accounts for suspicious activity. To save on taxes avoid booking award flights through the U.K. or book with a program like Avianca LifeMiles because it doesn't add fuel surcharges to award flights. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Call Citibank customer service at 1-800-950-5114, or call the number on the back of your Citi Custom Cash credit card. The Citi Custom Cash is light on other benefits, which isnt surprising since theres no annual fee. Some of the redemption options are less valuable, like shopping with points at select retail partners, which has a value of less than one cent per point. Cash back is earned in the form of ThankYou Points, which can be redeemed for cash back as a direct deposit, check or statement credit. 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. One of the best travel credit cards has a new 80,000-point bonus offer. So you can open travel credit cards from different banks and transfer all those points to a single airline. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Read more about Select on, M Swiet Productions | Moment | Getty Images, James D. Morgan | Getty Images News | Getty Images, Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score Lower, Personal Loans for 670 Credit Score or Lower, Best Citi credit cards for earning ThankYou points, How to avoid less valuable ThankYou points redemptions, Here are the best Citi credit cards for earning cash back and paying off debtplus one with no late fees, Citi launches new travel portal with Booking.com, offers up to 10X points for certain credit cardholders. In that situation, it's better to cash out your ThankYou points for one cent each in statement credits and use that money to book the hotel. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. Its good practice to check your credit card balance regularly. These are the best publicly available offers (terms apply) that we have found for each product or service. The Citi Custom Cash Card is a fantastic no annual fee card that is worth picking up for anyone earning Citi ThankYou points, as its a great complement to theCiti PremierCard. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Thats a pretty big bonus for a no annual fee card thats actually useful. Please view our advertising policy page for additional details about our partners. I just called citi and confirmed that if your Custom Cash points are merged into your Premier Thank You points, these Custom Cash points are stilled flagged as 'Custom Cash' points and can not be used as points transferred to Airlines. What makes . to maintain accurate information. Heres how to activate credit cards from major issuers: Phone number on the back of your credit card. If you already carry one of Citis travel rewards cards (such as the Citi Prestige Card or the Citi Premier Card), you can combine the points earned on that card with the points earned on the Custom Cash. 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. 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. articles, Do Not Sell or Share My Personal Information, Select travel (including flights and hotels), Travel booked through ThankYou Rewards Center. Lets go over all the details. 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. By providing my email address, I agree to CreditCards.coms You may want to hire a professional before making any decision. Rewards are earned as Citi ThankYou points, and you can redeem them for cash, statement credits, gift cards and travel. Request up to 100 cashback when making in-store purchases. 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. As reported by u/slash8915 the other day in this thread, Citi reps stated the Custom Cash should become available as a product change (PC) option starting today.Edit: PC option availability confirmed. This card truly caters to your lifestyle, whether youre jet-setting one month or cooking it up in the kitchen the next. Whether you shop at warehouse clubs, Amazon, Target, Walmart or pet supply stores, you can get 1 percent cash back on those purchases. Standard message rates apply. Losing your card can be a hassle but you dont have to worry about anyone misusing it, thanks to Citi Quick Lock. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. 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. This is contrary to what I have read as the advice here and elsewhere. Even though the Custom Cash is branded as a cash-back card, youll earn rewards as Citi ThankYou points. Finally, this card would also be an excellent pick for your first cash-back card since the Custom Cash offers 5% automatically on your top spending category, taking the guesswork out of earning rewards. Enable Javascript to use the full functionality of this page. To check your credit card balance online, simply open a web browser and go to the card issuer's website. Citi Identity Theft Solutions, which will assist you if youre experiencing identity fraud or theft. IHG Rewards Premier Business Credit Card Review: Worth Will Americans New York To Doha Route Survive? The Citi Custom Cash Card is a cash back rewards credit card with no annual fee. on Citi's secure site Citi Custom Cash Card Rewards rate 1% - 5% Annual fee $0 Intro offer $200 Regular APR 18.74% - 28.74% (Variable) Recommended credit Good to Excellent (670 - 850) See. You should think carefully about how you want to use the rewards youve earned, so you can wring the most value from them. If you value flexibility, the Citi Custom Cashs flexible rewards structure might appeal to you. She's been quoted in Fatherly, Consolidated Credit, Grow from Acorns and the Haven Life blog, among others. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. 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. The card details on this page have not been reviewed or provided by the card issuer. The Citi Custom Cash Card could be a good fit, depending on how you spend each month. Check here before booking an award fare. Well use the last four digits of your Social Security number to get your approval odds. Many credit cards offer bonus rewards on fixed categories each month such as travel, dining or groceries. Coach Natalie Administrator, Moderator admin. Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. 2x points on all other eligible purchases. Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Citi is an advertising partner of OMAAT. Only detects my Citi Double Cash, but not my custom cash. It should be listed on the back of your credit card. You could earn 5x points on dining with the Citi Custom Cash. If you call and attempt a PC today, please share the outcome and what card you tried PC'ing from. We heard from customers that theres a strong desire to carry a card that keeps up with them and automatically adjusts to their ever-changing lifestyle, said Pam Habner, Head of U.S. Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card. And redeeming is just as simple and flexible. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. This could potentially be a compelling offer for cardholders who want to maximize their purchases with its up to a terrific 5% cash-back rate. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Marriott Bonvoy Business American Express Card, Southwest unveils stunning new Hawaii-themed aircraft, How to redeem Chase Ultimate Rewards points for maximum value, IHG Rewards Premier Business card review: The annual fee is justified. The choices include: There are no minimums when you redeem for statement credit or direct deposit. Apply Now Apply by Phone: 1-800-362-0526 TTY: Use 711 or other Relay Service *Pricing Details No Annual Fee* Frequently Asked Questions The card automatically adapts to cardmembers ever-changing spending needs, rewarding them with 5% cash back on their top eligible spend categoryranging from restaurants to grocery to select streaming and travel plus moreeach billing cycle up to the first $500 spent, and 1% cash back on all other purchases. Editorial Disclosure: The editorial content on this page is not provided by any entity mentioned herein. The Citi Custom Cash Card is a terrific choice, as youll gain true flexibility to earn rewards depending on your spending habits. This mostly means that you cannot transfer your points to any of Citis transfer partners. Your Citi ThankYou points are worth 1 cent each when redeeming for flights or gift cards. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. With the increasing threat of identity theft, its good to have security features designed to help protect your information. To log in to your Citi Custom Cash Card account, go to the login page on the Citibank website or mobile app and enter your username and password in the appropriate fields. If youd like to redeem your rewards for travel, you must book your travel through the Citi ThankYou portal. You can see your FICO Bankcard Score 8, provided by Equifax, online or through the Citi mobile app. To put it in simple terms, 1 ThankYou point equates to 1 cent of cash-back rewards. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. How to Check Your Credit Card Application Status with Major Issuers: Whether youre trying to check your application status online or over the phone, it can be stressful dealing with a pending credit card decision. However, if youre requesting a check, there is a minimum rewards balance of $5 (or 500 points). One of the best first-class redemptions is from New York to Frankfurt for 97,000 miles, while other first-class flights cost 140,000 or more. However, the cashback is earned in the form of ThankYou points (one point equals one cent) and the points you earn with these cash-back cards can be pooled with other Citi cards, like the Citi Premier or Citi Rewards+. Offer ends 5/3/23. @evelyn_boros 07/29/21 This answer was first published on 07/29/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. 11283101. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, without an annual fee. However, all credit card information is presented without warranty. Privacy Policy. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. However, with a little additional effort, you can easily get multiple cents in value from your Citi points when redeemed through an airline or hotel transfer partner. 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. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy.