老人家用什么牌子的耳机 Citi Custom Cash Card Review 2024

The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories. However, this card only earns 1% back outside of your highest spend category each month. 

Citi Custom Cash℠ Card Insider’s Rating Info icon Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals. A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

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. Earn 4% cash back on hotels, car rentals, and attractions booked on Citi Trel℠ portal through 6/30/2025. Earn unlimited 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR on balance transfers and purchases for 15 months

Regular APR

18.24% - 28.24% Variable

Intro Offer Info icon $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening

Earn $200 cash back (fulfilled as 20,000 ThankYou® Points)

Recommended Credit

Excellent, Good, Fair

Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. Flexibility to customize rewards by earning 5% cash back on up to $500 per billing cycle in your top spending category (from a list) Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous welcome offer for a no-annual-fee card Check mark icon A check mark. It indicates a confirmation of your intended interaction. No rotating bonus categories to sign up for or track Check mark icon A check mark. It indicates a confirmation of your intended interaction. Redeem for cash back, trel, gift cards, and more Cons con icon Two crossed lines that form an 'X'. Only earns 1% back outside of $500 in top spending category each billing cycle con icon Two crossed lines that form an 'X'. Foreign transaction fee of 3% Insider’s Take

The Citi Custom Cash℠ Card offers a solid welcome bonus and 5% cash back on up to $500 in purchases in your top spending category every billing cycle. There's no annual fee and you won't need to keep track of rotating bonus categories, but keep in mind it only earns 1% back outside of your highest spend category each month.

Citi Custom Cash Card review External link Arrow An arrow icon, indicating this redirects the user." Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down. Citi Custom Cash℠ Card Overview

There are many great credit cards that earn cash back on the market, and they all earn rewards in slightly different ways. Some cards earn a flat rate of cash back on all purchases or extra rewards in fixed categories, and others he rotating bonus categories that change every quarter.

The Citi Custom Cash℠ Card takes a different approach. Cardholders earn 5% cash back on up to $500 in purchases in the eligible category they spend the most in each billing cycle (then 1%) and 1% on all other purchases.

Qualifying categories include common expenses that should appeal to almost everyone: restaurants, gas stations, grocery stores, select trel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

For a card with no annual fee, the Citi Custom Cash℠ Card offers a generous welcome bonus: $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. Because the card earns cash back in the form of Citi ThankYou points, you've got flexibility in how you redeem your rewards. Not only can you redeem Citi ThankYou points for cash back, but also for trel booked through Citi, gift cards, merchandise, and — if you also he the Citi Strata Premier℠ Card or Citi Prestige® Card (no longer ailable to new applicants) — transfers to Citi's airline and hotel partners.

The Citi Custom Cash℠ Card is a good choice if you don't want to keep track of rotating bonus categories, especially if your highest spending category changes from month to month. It's also worth considering if you already he a lot of rewards credit cards, but are looking for another card to use on purchases — like home improvement stores or fitness clubs — that don't typically earn a bonus with other cards.

If you're in the market for a 5% cash back card, there are two other cards that are worth a look. The Discover it® Cash Back earns 5% cash back in categories that rotate every quarter, on up to $1,500 in spending (then 1%) (from April 1 to June 30, 2025, earn 5% cash back at grocery stores and wholesale clubs on up to $1,500 in purchases after enrollment, then 1%).

The Chase Freedom Flex® has a similar earning structure, but Chase's rotating bonus categories are different.

However, with the Chase Freedom Flex® and Discover it® Cash Back, you'll need to keep track of these categories, and also register for the bonus before you earn bonus cash back. If that sounds like too much of a hassle, the Citi Custom Cash℠ Card may be a better choice for you. It's also one of our picks for the best balance transfer cards.

Citi Custom Cash℠ Card RewardsWelcome Bonus

New Citi Custom Cash℠ Card cardholders can earn $200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening. That's a respectable offer for a no-annual-fee card, and it's similar to bonuses on competing cards like the Wells Fargo Active Cash® Card, Chase Freedom Flex®, and U.S. Bank Altitude® Go Visa Signature® Card .

How to Earn Rewards with the Citi Custom Cash

The Citi Custom Cash℠ Card's most compelling feature is the 5% cash back (5x Citi ThankYou points) it earns on up to $500 in purchases each billing cycle, in the eligible category where you spend the most (then 1%).

That's a good deal if you tend to change your spending habits from month to month. For example, one month you might do a lot of driving and he high fuel expenses, but the next you may stay closer to home and spend more on groceries. 

Citi Custom Cash℠ Card 5x Bonus Categories: RestaurantsGas stationsGrocery storesSelect trelSelect transitSelect streaming servicesDrugstoresHome improvement storesFitness clubsLive entertainment

In trel, transit, and streaming services categories, only certain types of purchases or merchants are eligible, but most typical spending is included:

Select trel includes airline, hotel, cruise line, and trel agency purchases — however, timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies are excludedSelect transit includes categories you might normally lump in with trel — car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals are all eligible (bike/scooter rentals, auto clubs, and insurance companies are not)Select streaming services span all of the major players, including Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal

If you don't he any other cards that earn a bonus in any of these categories, using the Citi Custom Cash℠ Card for your regular spending and earning 5x rewards in your top monthly category is the easiest approach. But if you he other cards in your wallet, you can use the Citi Custom Cash℠ Card in categories where you might not otherwise earn a bonus.

How to Use Rewards with the Citi Custom Cash℠ Card

The Citi Custom Cash℠ Card doesn't earn pure cash back in the traditional sense; instead, cardholders earn rewards in the form of Citi ThankYou points. This is the same rewards currency earned by other Citi credit cards, including the Citi Strata Premier℠ Card and the Citi® Double Cash Card .

Citi ThankYou points are incredibly versatile. With any Citi ThankYou card, you can redeem your points at a rate of 1 cent apiece in a number of ways:

Statement creditsCash back in the form of a direct depositAirfare, hotels, car rentals, and more through the Citi Trel portalGift cardsCharity donations

You can also cash in points for merchandise by using them to pay at checkout with Amazon or PayPal, but you'll get a relatively poor rate of just 0.8 cents per point when you redeem this way. A better bet would be to use your Citi Custom Cash℠ Card (or other Citi card) to make these purchases directly, then redeem points at 1 cent apiece for a statement credit to offset the charge.

Things get more lucrative if you also he the Citi Strata Premier℠ Card or Citi Prestige® Card, because when you he one of these cards, you can access the full range of Citi transfer partners.

Transferring points to partners to book award flights can get you a much higher value from your Citi ThankYou points, depending on the transfer partner and flight or route you book.

Citi Custom Cash℠ Card Benefits and Features

As you might expect from a no-annual-fee card, the Citi Custom Cash℠ Card isn't packed with benefits, but its rewards system makes up for the lack of flashy perks.

Introductory 0% APR on Purchases and Balance Transfers

If you he big purchases coming up that you need to pay for over time, or already he credit card debt you want to consolidate, the Citi Custom Cash℠ Card could give you some breathing room. New cardholders receive a 0% intro APR on balance transfers and purchases for 15 months (then a 18.24% - 28.24% Variable APR).

As long as you're able to pay off your balance before the introductory APR expires, using a 0% APR credit card can help you se money on interest or get out of debt faster.

Citi Entertainment

Citi Custom Cash℠ Card members get access to the Citi Entertainment program, which offers presale tickets, preferred seats, VIP events, and more.

Citi Custom Cash℠ Card Fees

The Citi Custom Cash℠ Card doesn't charge an annual fee, but there are other fees to be aware of. It's not a good card for international purchases, because it charges foreign transaction fees (3% of each purchase transaction in US dollars).

Like other cards, the Citi Custom Cash℠ Card also charges fees for other activities, including:

Balance transfers: Either $5 or 5% of the amount of each transfer, whichever is greaterCash advances: Either $10 or 5% of the amount of each cash advance, whichever is greaterAlternativesDiscover it® Cash Back Discover it® Cash Back Read Review Insider’s Rating Info icon Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals. A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.8/5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Perks

Earn 5% cash back on purchases from rotating categories each quarter up to $1,500 when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Annual Fee

$0

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Regular APR

18.24% - 27.24% Variable APR

Intro Offer Info icon Unlimited Cashback Match® – Discover will automatically match all the cash back you’ve earned at the end of your first year

Earn Unlimited Cashback Match®

Recommended Credit Info icon Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Good to Excellent

Pros Check mark icon A check mark. It indicates a confirmation of your intended interaction. From April 1, 2025 to June 30, 2025, earn 5% cash back at Grocery Stores and Wholesale Clubs on up to $1,500 in purchases after enrollment, then 1% Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discover will match your cash back earned at the end of your first account year Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee Cons con icon Two crossed lines that form an 'X'. Cap on how much bonus cash back you can earn each quarter con icon Two crossed lines that form an 'X'. If the quarterly categories aren't convenient for you, you can earn more cash back with a different card Insider’s Take

The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories each quarter up to a spending limit when activated. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.

Discover it® Cash Back review External link Arrow An arrow icon, indicating this redirects the user." Product Details Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, earn unlimited 1% cash back on all other purchases. Redeem your rewards for cash at any time. Apply and you could get a decision in as little as 60 seconds. No annual fee. Start shopping and earning rewards in minutes with your digital card, before your physical card arrives in the mail, if eligible. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free. Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness. Terms and conditions apply. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down.

The Discover it® Cash Back is a popular credit card for consumers who use Discover. Cardholders earn 5% cash back in categories that rotate each quarter on up to $1,500 in combined spending when you activate (then 1%). (See our (from April 1 to June 30, 2025, earn 5% cash back at grocery stores and wholesale clubs on up to $1,500 in purchases after enrollment, then 1%) here.)

This card doesn't offer a true welcome bonus, but Discover will dollar-for-dollar match all the cash back you earned in your first 12 months of card ownership. 

New cardholders he access to free FICO score updates, one waived late payment fee on their first late payment (then up to $41), and no fees on foreign transactions. 

Chase Freedom Flex®

The Chase Freedom Flex® is a formidable $0 annual fee card to keep in your wallet. This little powerhouse earns 5% cash back (5x points) on trel purchased through Chase Trel℠ and on up to $1,500 in purchases each quarter in rotating bonus categories (with activation), as well as 3% on dining and drugstore purchases and 1% per dollar everywhere else. 

New cardholders earn a welcome bonus of $200 bonus after you spend $500 on purchases in the first three months from account opening. They also get a 0% intro APR on purchases and balance transfers for the first 15 months, then a 18.99% - 28.49% Variable APR.

They also get cellphone protection — a significant benefit for an entry-level card like this one. They also he complimentary car rental insurance (secondary coverage in the U.S., primary otherwise), trip cancellation/interruption insurance, purchase protection, extended warranty, trel and emergency assistance services, and free credit score monitoring. 

FAQs How hard is it to get approved for the Citi Custom Cash card? Chevron icon It indicates an expandable section or menu, or sometimes previous / next nigation options.

Most people who are approved for the Citi Custom Cash℠ Card he a credit score in the excellent, good, fair range (a FICO score of at least 580).

If you're not quite where you need to be yet, read our guides on improving your credit score and how using credit cards can help boost your score.

What is Citi Custom Cash credit limit? Chevron icon It indicates an expandable section or menu, or sometimes previous / next nigation options.

The credit limit you receive on the Citi Custom Cash℠ Card depends on several factors, including your credit score, income, existing debt, and relationship with Citi. Typically the minimum limit is $500, but it could be much higher. 

Does the Citi Custom Cash offer instant approval? Chevron icon It indicates an expandable section or menu, or sometimes previous / next nigation options.

The Citi Custom Cash℠ Card is one of several Citi credit cards that may give you the option to access an instant virtual card number when you're approved online. You can use this card number to access your credit line before the physical card arrives in the mail (which normally takes a week or so). Be sure to screenshot or write down the number, though, because you won't be able to retrieve it after the application process. 

Is the Citi Custom Cash worth it? Chevron icon It indicates an expandable section or menu, or sometimes previous / next nigation options.

The Citi Custom Cash℠ Card is a great choice if you prefer a card with no annual fee that earns a high rewards rate in categories where you spend the most. It's particularly valuable if you he other Citi cards, like the Citi Strata Premier℠ Card, that allow you to transfer rewards to airline and hotel partners.

Is the Citi Custom Cash a Visa or Mastercard? Chevron icon It indicates an expandable section or menu, or sometimes previous / next nigation options.

The Citi Custom Cash℠ Card is a Mastercard.

Who is eligible for the Citi Custom Cash card? Chevron icon It indicates an expandable section or menu, or sometimes previous / next nigation options.

You're eligible to earn the bonus on the Citi Custom Cash℠ Card if you don't already he one open and hen't earned a welcome bonus from the card in the past 48 months. 

Why You Should Trust Us: How We Reviewed the Citi Custom Cash Card

Business Insider's credit cards team looks at various criteria when reviewing cards like the Citi Custom Cash℠ Card. We evaluated the card relative to competing cash-back credit cards with no annual fee and assessed a number of factors, including:

Ease of use — Are the card's rewards easy to earn and use? Are there multiple options for redeeming rewards?Earning potential — Is the card's rewards rate competitive compared to similar cards? If there are bonus categories, are they appealing and useful, and are any of them capped at a certain amount of spending?Benefits — Generally speaking, cash-back credit cards don't come with many frills. We do look at whether the card offers benefits that give it an advantage over competing cards, such as trel insurance, statement credits, and purchase protections.Annual fee — If the card does charge an annual fee, is it offset by the card's earning potential or other perks like an intro APR or trel benefits?

You can find out more about Business Insider's methodology in our guide to how we rate credit cards.

Jasmin Baron Jasmin Baron is a credit cards writer and editor who has contributed her knowledge to sites like The Points Guy, Million Mile Secrets, and Business Insider.Her expertise in maximizing trel rewards grew from over two decades of experience in the iation industry, including 18 years working as a pilot and flight instructor in her native Canada. Angela Fung Affiliate Compliance and Operations Manager Angela Fung is the compliance and operations manager for Business Insider’s personal finance team. She is a personal finance expert and has been a part of Business Insider for over four years. ExperienceAngela leads the compliance team in identifying and reducing risk for readers, the editorial team, and external financial partners. Her team aims to provide readers with accurate, up-to-date information about financial products and maintain reader trust. She ensures regulatory and partner marketing guidelines are upheld for partners and adheres to the personal finance team’s editorial standards so they can maintain editorial independence. Angela likes helping readers better understand personal finance so that they can build a strong foundation for their financial plan and, hopefully, give themselves the freedom to do more in other facets of their lives.ExpertiseAngela has expertise in and oversees compliance in the following areas of personal finance:Personal credit cardsBusiness credit cardsHigh-yield sings accountsCDsShe also has a thorough knowledge of federal regulation for consumer financial protection. A few examples include:Regulation Z, Truth in LendingUnfair, Deceptive, Or Abusive Acts Or Practices (UDAAP)Regulation N, Mortgage Acts and Practices Advertising RuleEndorsement GuidelinesEducationAngela graduated from the University of Chicago with a bachelor’s degree in neuroscience. In her free time, she shoots lifestyle photography, volunteers at Meals for Unity, and plays tennis.