Top 10 Factors to Think About When Choosing the Citi Custom Cash Card
Since its launch in June 2021, the Citi Custom Cash Card has garnered significant attention from consumers. Unlike other cash back cards with complex rewards structures, the Citi Custom Cash Card offers a straightforward solution by utilizing rotating categories that automatically adjust to your spending habits. With multiple benefits to offer, here are 10 compelling reasons why you should consider the Citi Custom Cash Card as your next go-to credit card for earning rewards.
1. No annual fee
The Citi Custom Cash Card is a standout among credit cards, as it doesn’t come with a long list of flashy perks that ultimately don’t justify the hefty annual fees. In fact, you won’t have to worry about any annual fees with this card from Citi. This means that every reward you earn will stay in your pocket, helping you to save money and maximize your benefits.
2. Rewards on everyday spending
One of the biggest advantages of the Citi Custom Cash Card is its impressive rewards program, cited by Finder. Citi’s reward categories are diverse and cover most areas of typical spending, such as grocery stores, gas stations, restaurants, drugstores, home improvement stores, travel, transit, and streaming services. Moreover, the card offers additional categories that are not commonly found on other credit cards, such as fitness clubs and live entertainment.
3. Flexible rewards
As per citigroup.com, Millennials tend to have varying spending patterns and interests from month to month. About 82% of their spending is subject to change based on their evolving priorities. Additionally, 87% of them have shown interest in using a credit card that can automatically optimize their rewards based on their changing expenses. Citi Custom Cash Card is the ultimate solution for them, as it adapts to the cardholder’s spending habits, providing them with a 5% cashback on their primary eligible spend category and 1% cashback on all other purchases. Forbes highlights that this card’s flexibility makes it more attractive than others that offer bonus rewards for only three months or have elevated earnings on gas stations and tolls, which may not be relevant to everyone.
4. Low maintenance
The Citi Custom Cash Card offers bonus categories in a hassle-free and straightforward way, unlike most other cards. You don’t need to activate your bonus categories every quarter, eliminating the possibility of penalties if you forget. Additionally, you don’t have to worry about keeping track of your spending habits to optimize your rewards. The card does it for you by automatically adjusting your top bonus category based on your activity. For instance, if you earn 5% cash back on travel in one billing cycle but start spending more on restaurants the following cycle, your bonus will adjust accordingly. This means you can start earning 5% cash back on your dining expenses instead. If you were concerned about the complexities of a rotating cash back card, the Citi Custom Cash Card is the perfect solution, thanks to its simplicity.
5. Simple redemption
Redeeming rewards can sometimes be a hassle, but with the Custom Cash Card, it’s a breeze. The process is just as easy and flexible as earning rewards. You’ll receive Thank You points as your rewards, which can be redeemed for cash back at a value of one cent per point. You can choose to receive your rewards as a direct deposit, check, or statement credit. Additionally, you have the option to redeem your points for gift cards, travel, charitable donations, or even Shop with Points at Amazon.com. However, keep in mind that the value of your rewards will be lower if you choose to redeem them for Shop with Points.
6. Generous introductory offers
New cardholders of the Citi Custom Cash Card can enjoy a generous introductory offer. They can earn 20,000 Thank You Points when they make a minimum spend of $750 on purchases during the first three months of opening their account. The points are equivalent to $200 in cash back, which is quite remarkable for a card that does not charge an annual fee. It’s important to note that the bonus is exclusively available to customers who haven’t received another Custom Cash Card signup bonus in the past 48 months. Additionally, the card offers a 0% introductory APR on purchases and balance transfers for 15 months, giving cardholders ample time to pay off any significant purchases or transferred debts.
7. Exclusive offers with Citi Entertainment
According to The Points Guy, the Citi Custom Cash is a card that doesn’t come with hefty annual fees, so it’s not surprising that it doesn’t offer many major benefits. Nonetheless, it does provide some attractive perks. One of the most alluring is the access to Citi Entertainment, which enables cardholders to obtain exclusive tickets for concerts, sports events, culinary experiences, and more.
8. Banking the easy way
Citi Custom Cash may not have an extensive list of benefits, but it certainly makes up for it with an array of essential features that enhance the convenience of using your card. For instance, it offers automatic account alerts that keep you informed about your balance levels, payment due dates, and credit limit breaches. Additionally, the card supports contactless payments, digital wallets, and provides access to the Citi Mobile App, which enables you to manage your account on-the-go, anytime, anywhere. Moreover, you can select a payment due date that aligns with your preferences.
9. Safety first
The Custom Cash Card from Citi offers a plethora of security features to protect your money. These services include Mastercard ID Theft Protection, which continuously monitors your account for any suspicious activity. Additionally, you will not be held responsible for any unauthorized charges, whether they were made in-store or online. The Fraud Early Warning system notifies you of any potentially fraudulent transactions, while Citi Quick Lock allows you to instantly block any new charges after reporting your card as lost or stolen. With these features in place, you can rest assured that your finances are well-protected.
10. 24/7 support
If you encounter a problem with your card, have a question about your account, or experience any payment-related issues, don’t hesitate to get in touch with Citi. With the Citi Custom Cash Card, you can reach out to a customer representative any time of the day or night, seven days a week. No need to wait for standard business hours.
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