Complete Citi Custom Cash Application Walkthrough
The Citi Custom Cash from Citi is one of the most competitive credit cards in the gas credit cards category. With a rating of 8/10, it offers no annual fee and impressive rewards including 5% on highest eligible category (up to $500/month).
In this comprehensive review, we break down everything you need to know about the Citi Custom Cash: rewards structure, fees, APR, welcome bonus, and how it compares to competitors. Whether you are looking for your first rewards card or adding to your wallet, this guide covers it all.
Citi Custom Cash Overview
The Citi Custom Cash is issued by Citi and is designed for consumers with Good-Excellent (670+). It carries a rating of 8/10 from our experts. For those with good to excellent credit, this card can be a valuable addition to your wallet.
| Feature | Details |
|---|---|
| Issuer | Citi |
| Annual Fee | $0 |
| Intro APR | 0% for 15 months |
| Regular APR | 19.24% - 29.24% Variable |
| Rewards | 5% on highest eligible category (up to $500/month) |
| Welcome Bonus | $200 after $1,500 in first 6 months |
| Credit Score | Good-Excellent (670+) |
| Foreign Tx Fee | 3% |
Rewards & Benefits Breakdown
The Citi Custom Cash earns 5% on highest eligible category (up to $500/month). Here is the detailed breakdown of earning rates:
| Category | Reward Rate |
|---|---|
| All Purchases | 5% on highest eligible category (up to $500/month) |
| Welcome Bonus | $200 after $1,500 in first 6 months |
| Intro APR | 0% for 15 months |
| Credit Score | Good-Excellent (670+) |
Since this card has no annual fee, you can keep it forever without cost. Use it for travel to maximize value.
Fees & APR Analysis
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 19.24% - 29.24% Variable |
| Balance Transfer APR | 0% for 15 months then 19.24% - 29.24% Variable |
| Foreign Transaction Fee | 3% |
Citi Custom Cash vs Competitors
See how Citi Custom Cash stacks up against similar cards.
| Card | Fee | Rewards | Bonus | Rating |
|---|---|---|---|---|
| Mission Lane Gas Rewards | $0 | 1.5% gas, 1% else | N/A | 6/10 |
| Fortiva Credit Card | $0 | None | N/A | 5/10 |
Pros & Cons
✅ Pros
- Competitive rewards rate: 5% on highest eligible category (up to $500/month)
- Welcome bonus: $200 after $1,500 in first 6 months
- No annual fee
- Generous intro APR: 0% for 15 months
- Issued by reputable Citi
❌ Cons
- Foreign transaction fee of 3%
- Higher than average APR
The Citi Custom Cash is best for consumers who want a simple, no-fee card with solid rewards. If you have Good-Excellent (670+) credit and spend $1609/month on average, this card could earn you significant value.
How to Apply for Citi Custom Cash
Applying for the Citi Custom Cash is straightforward. Here is the step-by-step process:
- 1
Check Your Credit Score
Before applying, check your credit score. You need Good-Excellent (670+) for the best approval odds.
- 2
Compare Your Options
Compare the Citi Custom Cash with similar cards from other issuers to ensure it is the right fit.
- 3
Gather Required Information
You will need your Social Security number, income information, and address to apply.
- 4
Complete the Online Application
Visit Citi.com or the Citi mobile app. The application takes about 5-10 minutes.
- 5
Await Approval Decision
Most applicants receive an instant decision. If approved, your card will arrive in 7-10 business days.
Frequently Asked Questions
You need Good-Excellent (670+) credit to be approved for the Citi Custom Cash. Approval is not guaranteed and depends on your overall credit profile.
Yes, with no annual fee, this card is worth keeping in your wallet indefinitely. Plus, the welcome bonus alone covers the first year's value.
The purchase APR is 19.24% - 29.24% Variable. There is an introductory APR of 0% for 15 months.
Yes, there is a 3% foreign transaction fee.
Rewards can be redeemed through your Citi online account. Options typically include statement credits, gift cards, travel bookings, and direct deposits.
Conclusion
The Citi Custom Cash is a solid choice in the gas credit cards category. With no annual fee and competitive rewards, it offers good value for the right consumer.
We recommend this card for anyone with Good-Excellent (670+) credit looking for cash back on their everyday spending. Compare it with other cards in our list to find the best fit for your wallet.
The Citi Custom Cash earns 5% on highest eligible category (up to $500/month). With a rating of 8/10, it is one of the better options in the gas credit cards space. Recommended for consumers with Good-Excellent (670+) credit.