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. Also, earn unlimited 1% cash back on all other purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Economy flights between the East Coast and Hawaii typically cost $300 to $400, so you're getting a value of roughly four to five cents per point after you account for taxes. The Citi Custom Cash Card includes Mastercard ID theft protection, which monitors your accounts for suspicious activity. To put it in simple terms, 1 ThankYou point equates to 1 cent of cash-back rewards. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. Well use this information to to verify your credit profile. The Citi Custom Cash is light on other benefits, which isnt surprising since theres no annual fee. It should be listed on the back of your credit card. Branded Cards and Unsecured Lending at Citi. Privacy Policy. 5% cash back on purchases in top eligible spend category each billing cycle, up to the first $500 spent (then 1%); unlimited 1% cash back on all other purchases. Citi is an advertising partner of OMAAT. CreditCards.com is an independent, advertising-supported comparison service. 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. Best Way to Get a Citi Custom Cash Credit Card PIN. What's the starting credit limit for the Citi Custom Cash Card? 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. See the online credit card applications for details about the terms and conditions of an offer. Citi points transfer to Choice Hotels at a 1:2 ratio (with the Citi Premier or Citi Prestige cards, 1:1.5 otherwise) and certain Choice Hotels awards can be very valuable. The Citi Custom Cash Card Survey was conducted by Harris Poll among 1,009 U.S. adults aged 25 34, between May 5 and May 13, using an email invitation and an online survey. Based on the Citi Custom Cash rewards structure, this card could be a good fit for everyday spending. The Custom Cash still has a slight leg up on the Flex since your top spending category changes each billing cycle based on your spending habits. 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). This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. The card earns 1 percent back thereafter. 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. Top eligible spend category. 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. Just search the card issuers name in your phones app store and download the official app. This card has a $200 welcome bonus, and it also offers an introductory APR period on both new purchases . The Citi Custom Cash Card is a flexible category card, designed to adapt your rewards to your spending habits. No rotating bonus categories to sign up for as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. After its downloaded, log in with your credentials. However, if youre requesting a check, there is a minimum rewards balance of $5 (or 500 points). Certain hotels have resort fees. To ensure youre earning 5 percent cash back on your category of choice, such as groceries, you must use your Citi Custom Cash primarily at the grocery store and not as much elsewhere. The Citi Custom Cash Card has no annual fee, and you can also add authorized users to the card at no extra cost. While these purchases take up a sizable chunk of most consumers budgets, what about purchases that dont fit under these categories? It's an excellent option for both beginners who are looking for easy-to-use credit card rewards and rewards experts who want to maximize their points' value. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Money matters so make the most of it. Some credit card applications stay in pending status for up to 30 days. Is The White Lotus breaking up with Four Seasons ahead of Season 3? Hire the best financial advisor for your needs. to maintain accurate information. The Citi Custom Cash Card offers cash back that adapts to your spending habits. Some credit card applications stay in pending status for up to 30 days. read full answer. Learn More Earn 20,000 Bonus ThankYou Points after qualifying purchases. For many consumers, earning cash back is the fuel that makes these activities possible, so much so that more than two-thirds of Millennials (69%) say that getting cash back is absolutely essential or very important to them when applying for a new credit card. You may want to hire a professional before making any decision. Single women own more homes than single men but get lower returns here are 5 tips to change that. The Citi Custom Cash Card is a solid cash-back card with no annual fee. 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. Singapore Airlines has a zone-based award chart, so you'll always know exactly how many points you need for an award. Then, click the Sign On to access your online account. Citi will only issue one Citi Custom Cash Card account per person. The Citi Custom Cash Card earns 5 percent back on your highest spending category each billing cycle, up to $500 in purchases. Fill out the application with your personal information, read though the terms and conditions, and hit "Agree & Submit." The issuer did not provide the details, nor is it responsible for their accuracy. For anyone wondering how some of the above categories are defined, heres what you need to know: Historically one of the downsides of Citi ThankYou compared to Chase Ultimate Rewards has been that you couldnt create as much of a portfolio of cards to maximize your rewards. Terms and Conditions Apply. If you call and attempt a PC today, please share the outcome and what card you tried PC'ing from. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Reasonable efforts are made However, we may receive compensation when you click on links to products from our partners. 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. on what to do if your credit card application is denied. Last four digits of your Social Security number, Do Not Sell or Share My Personal Information. Sign on and Set Up Payees Call us at 1-800-374-9700 Text Telephone ( TTY) 1-800-788-0002 What You Get This free service lets you pay virtually anyone Pay Virtually Anyone in the U.S. It's fastyou can pay all your bills in minuteseasy to use, and comes with an Online Bill Payment Promise, so you'll know that your bills will be paid on time. Click here to change your cookies settings. October 2021. Based in New York City, Stella is always on the road (or in the air). With the right program, you can book expensive business- or first-class flights worth thousands of dollars. For an explanation of our Advertising Policy, visit. Compare Accounts Simplify Your Savings Easy to access and simple to manage, a Citi Savings Account could be right for you. You also have fraud early-warning detection built in. Once youve activated your credit card, you can use it right away. Can you upgrade a Wells Fargo Platinum credit card? If you'd like to book flights without transferring points to a partner, you can pay for flights through the Citi ThankYou site at a fixed rate of one cent per point. If you spend $1,500 in the first six months of opening the card, you'll receive a bonus of . As a Citi account holder, you also get free FICO credit score access. 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. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. 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. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. You may find that your spending habits change frequently and want a card customized to your lifestyle. The communications can look real. You can then cash out your points to pad your savings account or transfer them to one of Citi's many travel partners to book first-class flights and luxury hotels on the cheap. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. Minimum interest charge$0.50. Choice Hotels has a large footprint in Scandinavian countries, where other chains aren't as common and points bookings can be a great deal. If you are worried about your credit card approval odds, prequalified offers are a great tool for finding the cards in your reach. Could it be people just think these Custom Cash points are not tracked differently by Citi? All Rights Reserved. The card is offering 20,000 ThankYou points (or $200 cash back) after spending $1,500 on purchases in the first six months. The Citi Custom Cash Card has no annual fee but takes a different approach from the issuers popular Citi Double Cash Card (with up to a 2% cash-back rate on all purchases; 1% when you buy and 1% as you pay). Copyright 2023 CreditCards.com a Red Ventures Company. If youre not a huge credit card spender, then this might just be the ideal card for you. This website is not intended for distribution to, or use by any person in any country where such distribution or use would be subject to or contrary to local law or regulation. Opinions expressed therein are solely those of the reviewer. Our firms Financial Services Register number is 805574. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. The best options for using Virgin Atlantic points to book business-class flights to Europe are Air France, KLM and Delta. Most major issuers including American Express, Bank of America and Citibank also offer a way to check your credit card application status online. The Citi Custom Cash Card offers significant value in that sense. 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. 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. The card earns 1% back thereafter. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. Content published under this author byline is generated using automation technology. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Its good practice to check your credit card balance regularly. @evelyn_boros 07/29/21 This answer was first published on 07/29/21. Citi Lets go over all the details. Essential reads, delivered straight to your inbox. 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. Sign up here. Were sorry, but something went wrong and we couldnt find your approval odds. Please check out. Warning: Investment Scams!Beware, Investment Scams are on the rise. The Citi Custom Cash Card is inventive when it comes to cash-back credit cards. Its a nice benefit to have if youre worried about someone gaining access to your account and using it to make fraudulent purchases. Thats where the Citi Custom Cash comes in. After that, your fee will be 5% of each transfer (minimum $5). That way you can lock your account or take other action as needed. This preplanning will allow you to earn the max amount of cash back every month: $25. Online: To apply for the Citi Custom Cash card online, visit the card's webpage. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Opinions expressed here are the authors and/or WalletHub editors'. As you can see, Citi points are almost always worth at least one cent apiece, with only a few redemption options providing less value. Emirates doesn't have an award chart but you can use its miles calculator to find the price of any award itinerary. It also comes with a 15 month 0% APR introductory. And you may indirectly get less value paying with points for a rental car or hotel you book through Citi's travel site because you won't be able to shop for the lowest price. Most card issuer customer service lines have an automated system for checking balances, so listen to the options menu and follow the prompts to check your latest balance. In the interest of full disclosure, OMAAT earns a referral bonus for anyone thats approved through some of the below links. 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. Our points-obsessed staff uses a plethora of credit cards on a daily basis. *Information about the Citi Prestige Card has been collected independently by CreditCards.com. Your credit cards journey is officially underway. The Citi Custom Cash Card offers 5% cash back in your top eligible spending category, on up to $500 each billing cycle, and 1% back after that. All major credit card companies allow applicants to check their status by calling the main customer service line and following the prompts. Click the "Apply Now" button to be redirected to a secure online application form. Accuracy, independence and authority remain as key principles of our editorial guidelines. 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. While many airlines operate distanced-based award charts or have ditched award charts altogether in favor of dynamic pricing, Turkish Airlines has a zone-based partner award chart.