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. 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. 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. Its also good to keep track of your balance to make sure you arent using too much of your available credit. And this includes points transfers you can make to airlines and hotels if you have the Citi Premier card. to maintain accurate information. Accuracy, independence and authority remain as key principles of our editorial guidelines. This is a recurring post, regularly updated with new information. 11283101. We may receive compensation when you click on links to those products. Which wealth management service is best for you? Warning: Investment Scams!Beware, Investment Scams are on the rise. How to request a credit limit increase with Citi, Credit score needed for the Citi Diamond Preferred Card. Citi Custom Cash Card Our rating: 4.5 See your approval odds Apply now at Citi's secure site Intro Bonus $200 Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. By providing my email address, I agree to CreditCards.coms Lets review this card and see who it is best for. The Citi Custom Cash Card is a Mastercard credit card that's focused on earning cashback rewards. WalletHub Answers is a free service that helps consumers access financial information. All reviews are prepared by CreditCards.com staff. 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. All major credit card companies allow applicants to check their status by calling the main customer service line and following the prompts. 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program, 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping, 2 points per dollar on all other eligible purchases, Earn a free-night award each card renewal month (up to 35,000 points), Receive 15 elite night credits to jump-start status, Must spend $60,000 in a year for second free-night award. The Citi Custom Cash Card is a terrific choice, as youll gain true flexibility to earn rewards depending on your spending habits. 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. Many credit cards offer bonus rewards on fixed categories each month such as travel, dining or groceries. No-annual-fee* Mastercard automatically adapts to reward cardmembers with 5% cash back on their top eligible spend category each billing cycle. International business-class flights can cost thousands of dollars, so using your credit card rewards to book these awards can unlock exceptional value. Single women own more homes than single men but get lower returns here are 5 tips to change that. And there are specific hotel redemptions that can be more lucrative. Most major issuers including American Express, Bank of America and Citibank also offer a way to check your credit card application status online. 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. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Fill out the application with your personal information, read though the terms and conditions, and hit "Agree & Submit." If you were to max out the 5% bonus category by . The Citi Custom Cash Card offers significant value in that sense. 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. Thats where the Citi Custom Cash comes in. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 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. Your feedback is important in helping us keep our community safe. The Wyndham Grand Clearwater Beach, for example, costs 30,000 points per night and can easily cost over $400 a night, which is a value of 1.33 cents per point. Browsing the ThankYou points site, you'll see all sorts of options to use Citi points. 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. We want you to feel comfortable about giving us your email address. Is The White Lotus breaking up with Four Seasons ahead of Season 3? Rest assured that even if you are eventually denied, you still have plenty of options. Citi is an advertising partner of OMAAT. 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. Our firms Financial Services Register number is 805574. Checking Made Simple Enjoy checking with 24/7 digital banking and no minimum opening deposit. While its certainly not the most outstanding offer, the sign-up bonus is a nice little incentive to apply. 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. 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. The card offers 5x points (or 5% cash back) in your top select category every billing cycle, for up to $500 of spending. 2021 Citi Custom Cash Card Survey For more information, check out. However, if youre requesting a check, there is a minimum rewards balance of $5 (or 500 points). Let's assume you charge $500 at the grocery store per month. Phone number from the sticker attached on your card. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. In addition, new cardmembers will receive a bonus offer of $200 cash back after spending $750 in purchases within the first three months of account opening as well as a low introductory rate on purchases and balance transfers for 15 months. So if youre denied for one card, it doesnt mean you cant be approved for another. Another way to boost the value of your points is with the Citi Rewards+ Card, which earns a 10% points rebate on the first 100,000 points you redeem each year. Each month, you'll get 5% cash back in your . Select independently determines what we cover and recommend. Most read full answermajor card issuers have mobile apps, which makes checking your balance a matter of pulling out your phone. Privacy Policy. Choice Hotels has a large footprint in Scandinavian countries, where other chains aren't as common and points bookings can be a great deal. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. 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). When you give us your email address, we may then send you emails on a variety of subjects . If youd like to redeem your rewards for travel, you must book your travel through the Citi ThankYou portal. How do I pay my Citibank credit card bill? 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. 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. 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. 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. To activate a credit card, call the number on the back of the card or go to the website listed on the activation sticker attached to the card. Link: Apply now for the Citi Custom Cash Card. @evelyn_boros 07/29/21 This answer was first published on 07/29/21. That means you can earn cash back virtually anywhere you go. Points are worth an average of 1 cent each, so 10,000 ThankYou Points can be redeemed for a $100 statement credit, a $100 check or a $100 direct deposit. Rewards are earned as Citi ThankYou points, and you can redeem them for cash, statement credits, gift cards and travel. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Theres no minimum balance you need to reach before accessing your rewards which isnt the case for many cash-back cards. You should think carefully about how you want to use the rewards youve earned, so you can wring the most value from them. Hire the best financial advisor for your needs. The Citi Custom Cash Cards rewards structure and card benefits pack a punch, making it an excellent cash back card. Balance transfer feeeither $5 or 5% of the amount of each transfer, whichever is greater. 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. 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. Make secure contactless payments of up to 100 in the UK*, quickly and easily. See the online credit card applications for details about the terms and conditions of an offer. Though Citi doesnt offer quite as many of these promotions as other card issuers, you still have a chance to snag a top match. Additional reporting by Ryan Wilcox and Chris Dong. If you are worried about your credit card approval odds, prequalified offers are a great tool for finding the cards in your reach. For only 15,000 ThankYou points (or less) you can book domestic awards on United, Delta and more. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. 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. articles, Do Not Sell or Share My Personal Information, Select travel (including flights and hotels), Travel booked through ThankYou Rewards Center. Thank you! Even though the Custom Cash is branded as a cash-back card, youll earn rewards as Citi ThankYou points. 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. Eligibility for the bonus is unrelated to whether or not you have any other Citi cards the bonus isnt available to anyone who currently has the Citi Custom Cash Card, or who has received a new cardmember bonus on the Citi Custom Cash Card in the past 48 months. This question is about the Citi Custom Cash Card. 1. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy.
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