After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. The Citi Custom Cash Card earns 5 percent back on your highest spending category each billing cycle, up to $500 in purchases. Virgin Atlantic is a member of the SkyTeam alliance and has separate award charts for each partner airline. Youll likely be asked to enter your card number and/or other personal information to verify your identity. And this includes points transfers you can make to airlines and hotels if you have the Citi Premier card. 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). Some credit card applications stay in pending status for up to 30 days. read full answer. 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. 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. Citi ThankYou Rewards is a flexible rewards program that offers a variety of ways to earn and redeem points, similar to American Express Membership Rewards, Chase Ultimate Rewards and Capital One Miles. Meanwhile, youll also earn unlimited 1 percent back on all other purchases. Citi Custom Cash Card: 5x Points & No Annual Fee, Citi Custom Cash Card Details For April 2023, Citi Custom Cash Offers 20,000 ThankYou Points (Or $200), Citi Custom Cash 5x ThankYou Points (Or 5% Cash Back), How Citi Custom Cash Bonus Categories Are Defined, How Citi Custom Cash Fits Into Citi ThankYou Ecosystem, Citi Custom Cash Is No-Brainer If You Earn ThankYou Points, Citi credit card application restrictions, American Airlines Credit Card Eligibility Rules Explained, Citi AAdvantage Executive Card Review: Best Admirals Club Deal, Please view our advertising policy page for additional details about our partners, 5x ThankYou points (or 5% cash back) on your top eligible spending category, on up to $500 spent each billing cycle, 1x ThankYou points (or 1% cash back) on all other purchases, Your top eligible spending category can change with each billing cycle, and youll automatically receive the 5x ThankYou points (or 5% cash back) on whatever your highest spending category is, Theres no need to register, or to specify in which category you want to earn 5x points, as it will be automatically determined, Drugstores includes standalone drugstores and generally includes pharmacies in grocery stores, general merchandise and discount superstores, and wholesale and warehouse clubs, Fitness clubs includes membership fee and other purchases at athletic, sports, and recreation facilities requiring memberships, such as health, tennis, and swimming clubs, Home improvement stores includes home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries, varnishes, and supplies stores, Live entertainment includes concerts, live sporting events, live theatrical productions, amusement parks, and orchestras, Restaurants includes cafes, bars, lounges, and fast food restaurants, Select streaming services includes the following cable, satellite, and streaming service providers 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, Select travel includes airline, hotel, cruise line, and travel agency purchases, Select transit includes car rentals, ferries, commuter railways, subways, taxis, limousines, car services, passenger railways, bridges and road tolls, parking lots and garages, bus lines, and motor home and recreational vehicle rentals, The card has a solid bonus, particularly given that it has no annual fee, and youre eligible even if youve received the bonus on other Citi cards, Being able to earn 5x ThankYou points per dollar in the select category where you spend the most (with a $500 limit per billing cycle) all for a no annual fee card is a great opportunity, As you can see, you have your choice of several bonus categories, from more niche categories like drugstores and home improvement stores and fitness, to more mainstream categories like dining and gas stations. This feature monitors your account for suspicious activity, then notifies through text or email. Thats why the new Citi Custom Cash card is a game changer in the industry, empowering customers to earn and redeem rewards their way.. Many credit cards offer bonus rewards on fixed categories each month such as travel, dining or groceries. Copyright 2023 CreditCards.com a Red Ventures Company. Turkish charges 45,000 miles for one-way business-class flights from the U.S. to Europe, while LifeMiles typically charges 63,000 miles, although it sometimes varies. The Citi Custom Cash card comes with $200 cash back if you spend $1,500 on purchases within the first six months and has no annual fee. Once you log in, youll be able to check your current balance, see your most recent statements, make payments, schedule future payments, and more. Learn More Apply Online Or, call us at 1-800-374-9700 ( TTY 1-800-788-0002) to open an account or learn more. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. It has not been provided or commissioned by the credit card issuers. This card comes with a unique rewards rate that changes each billing cycle, giving cardholders the flexibility to earn an excellent 5% back on purchases that traditionally wouldnt fit under the fixed categories offered by other cards. Although these first-class awards cost more points, it's easier to collect Emirates and Singapore miles than you may think. This preplanning will allow you to earn the max amount of cash back every month: $25. After the introductory period ends, your standard APR for purchases will be applied to unpaid promotional balances, new purchases and new balance transfers. This is a solid option when cash fares are low, plus you'll earn miles on the flight. 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. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. The standard variable APR for purchases for the Citi Custom Cash? The Citi Custom Cash Card is a solid cash-back card with no annual fee. Having a high. Stay connected with the latest travel, aviation, and credit card news. Power packed banking features on your mobile, Manage your FX exposure with our FX Order Watch.Book your rate, and let us do the rest, Citi Debit Card: three currencies, one card, Access your Citigold US Dollar, Euro and Pounds (GBP) accounts with one single Citi Debit Card. Content published under this author byline is generated using automation technology. 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. However, you'll often get less than one cent per point in value for Wyndham bookings. Improve earnings, maximize rewards and track progress toward dream trips. It's different from other cashback credit cards because of the flexibility it offers for earning bonus rewards. No-annual-fee* Mastercard automatically adapts to reward cardmembers with 5% cash back on their top eligible spend category each billing cycle. 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Outside of banner ads published through the Boarding Area network, this compensation does not impact how and where products appear on this site. 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. 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. This is because the Turkish Airlines award chart includes Hawaii and the Continental U.S. in the same award zone. 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 Freedom Flex also earns 5% back on Chase Travel booked through Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on other eligible purchases. Opinions expressed therein are solely those of the reviewer. This sign-up bonus is comparable to other no-annual-fee, cash-back cards. 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. This allows you to book flights to/from anywhere in the U.S. that United flies for the set price of 7,500 one-way in economy or 12,500 one-way in business class. We'll run a soft credit check to find special offers, but it wont affect your credit score. 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. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. You may find that some of the quarters on the Flexs rotating calendar and its regular bonus categories may not align with your lifestyle. Link: Apply now for the Citi Custom Cash Card. 2023 SELECT | All rights reserved. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. Media Contacts: Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Find more Citi Debit Card features and benefits in the pages below. Can you upgrade a Wells Fargo Platinum credit card? Chase will set the bonus categories each quarter, but in the past, weve seen common vendors such as Amazon, Walmart, home improvement stores and gas stations included in these rotating categories. 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. Please view our advertising policy page for more information. Not only can new cardholders earn 80,000 bonus points after spending $4,000 in the first three months of account opening, but they can also maximize everyday rewards with the cards bonus categories. Adding the Custom Cash may also be a good idea for existing Citi cardholders seeking to maximize their rewards through the Citi ThankYou program. If youve lost your sticker or youre just wondering heres a quick reference guide to credit card activation with some of the biggest card issuers. read full answer. You can see your FICO Bankcard Score 8, provided by Equifax, online or through the Citi mobile app. Approval criteria for credit cards differ from one issuer to the next, and even from card to card with the same issuer. This bonus offer will be fulfilled as 20,000 Points, which can be redeemed for $200 cash back. Additional information may be found at www.citigroup.com | Twitter: @Citi | YouTube: www.youtube.com/citi | Blog: http://blog.citigroup.com | Facebook: www.facebook.com/citi | LinkedIn: www.linkedin.com/company/citi. So if youre denied for one card, it doesnt mean you cant be approved for another. Thats a pretty big bonus for a no annual fee card thats actually useful. 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 is a flexible category card, designed to adapt your rewards to your spending habits. The Citi Custom Cash Card offers a solid welcome bonus for a personal no annual fee card. This feature allows you to lock your card and block new charges until you find it or receive a replacement. Increase non-taxable income or benefits included by 25%. Your email address unlocks your approval odds. New cardholders are eligible for 0 percent APR on purchases and balance transfers for 15 months, followed by a variable APR of 18.49 percent to 28.49 percent. Rewards are earned as Citi ThankYou points, and you can redeem them for cash, statement credits, gift cards and travel. Yes, I was able to add the Citi Custom Cash Card to Simplify this morning. The communications can look real. You may find that your spending habits change frequently and want a card customized to your lifestyle. Click the "Apply Now" button to be redirected to a secure online application form. At the time of writing, there are a handful of Choice Hotels available in Oslo, Norway for 16,000 Choice points per night. Elana Rueven, Citi, elana.rueven@citi.com. You also have fraud early-warning detection built in. If youd like to redeem your rewards for travel, you must book your travel through the Citi ThankYou portal. The Citi Custom Cash Card includes zero liability protection. Once youve activated your credit card, you can use it right away. 2021 Citi Custom Cash Card Survey Your credit cards journey is officially underway. If you already carry one of Citis travel rewards cards (such as the Citi Prestige Card or the Citi Premier Card), you can combine the points earned on that card with the points earned on the Custom Cash. articles, Do Not Sell or Share My Personal Information, Select travel (including flights and hotels), Travel booked through ThankYou Rewards Center. However, the cashback is earned in the form of ThankYou points (one point equals one cent) and the points you earn with these cash-back cards can be pooled with other Citi cards, like the Citi Premier or Citi Rewards+. This card differentiates itself from other options on the market by providing the unique ability to earn up to 5% back on your top spending category each billing cycle on up to the first $500 spent. * Citi Custom CashSM Card Pricing and Information: Introductory rate of 0% for 15 months from the date of account opening on purchases and an introductory rate of 0% for 15 months from date of first transfer for balance transfers. It may help you determine if youd like to add the card to your wallet. Not only does the Citi Custom Cash function as a great cash back card, but it also works decently as a balance transfer card. on what to do if your credit card application is denied. However, all credit card information is presented without warranty. Maximizing your Citi Custom Cash rewards and benefits Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Just search the card issuers name in your phones app store and download the official app. Shop safely online and over the phone. Card is 13.99% - 23.99% based on your creditworthiness. This card has a $200 welcome bonus, and it also offers an introductory APR period on both new purchases . 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. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. What makes . In a year, youll get $300 in cash back. is a former TPG writer. All Rights Reserved. All Rights Reserved. Then, click the "Sign On" to access your online account. Remember that Citi chooses your top category and applies your rewards automatically, based on your spending every month. Single women own more homes than single men but get lower returns here are 5 tips to change that. How can I reach the Citi Custom Cash Card customer service? Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. 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. Fraudsters are using Citis genuine logo, banking registration and company details on fake emails, cold calls and websites to trick you into thinking you are making a genuine investment. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. Some credit card applications stay in pending status for up to 30 days. To check your credit card balance online, simply open a web browser and go to the card issuer's website. The Citi Custom Cash Card is inventive when it comes to cash-back credit cards. document.getElementById( "ak_js" ).setAttribute( "value", ( new Date() ).getTime() ); I just called citi and confirmed that if your Custom Cash points are merged into your Premier Thank You points, these Custom Cash points are stilled flagged as 'Custom Cash' points and can not be used as points transferred to Airlines. You can redeem Citi ThankYou points in a variety of ways. You will qualify for the bonus offer only if you have not received a bonus offer for opening a new Citi Custom CashSM Card in the past 48 months. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Or cardmembers can choose other ways to redeem points, including redeeming for gift cards, charitable donations, travel, Shop with Points at Amazon.com, and more. 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. 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. And, going forward, this group is eager to resume their favorite activities and get rewarded for doing so, reporting that theyre most looking forward to traveling (66%), going to a restaurant (45%), going to a concert (31%), going to a party (25%), and going to an in-person workout or fitness class (17%). Choice Hotels has a large footprint in Scandinavian countries, where other chains aren't as common and points bookings can be a great deal. CreditCards.com is an independent, advertising-supported comparison service. *Information about the Citi Prestige Card has been collected independently by CreditCards.com. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. We earn a commission from affiliate partners on many offers and links. Citi Merchant Offers Sign in to your online card account and select offers with retailers and service providers that earn you additional cash-back. Note that you can also combine your rewards if you have the Citi Double Cash or the Citi Rewards+ Card for even more cash back. Offer ends 5/3/23. Dont worry, we wont spam your inbox. Check the data at the top of this page and the bank's website for the most current information. In fact, recent Citi research shows that 82% of Millennials' spending varies month-to-month based on their shifting interests and priorities and 87% expressing a desire for a credit card that does the work for them to maximize their rewards based on their changing spending patterns. 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. Please be advised that this site is not optimized for use with Microsoft Internet Explorer 6. In the interest of full disclosure, OMAAT earns a referral bonus for anyone thats approved through some of the below links. Select independently determines what we cover and recommend. You can book awards with Star Alliance partner airlines through Avianca or Turkish Airlines. Terms and Conditions Apply. Rewards rate that highly favors travel purchases. For more information about the new Custom Cash Card, visit citi.com/customcash. To put it in simple terms, 1 ThankYou point equates to 1 cent of cash-back rewards. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. Or does this Citi manager have it wrong? Here are all the ways to earn Citi ThankYou points and the best ways to redeem them for maximum value. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. While you can potentially product change another Citi credit card to this one, you wouldnt be eligible for the welcome bonus if you went that route. Hire the best financial advisor for your needs. on Citi's secure site Citi Custom Cash Card Rewards rate 1% - 5% Annual fee $0 Intro offer $200 Regular APR 18.74% - 28.74% (Variable) Recommended credit Good to Excellent (670 - 850) See. International business-class flights can cost thousands of dollars, so using your credit card rewards to book these awards can unlock exceptional value. Money matters so make the most of it. The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered. 2x points on all other eligible purchases. 1. In these types of situations, it's easier and more valuable to cash out your points. Jennifer Bombardier, Citi, jennifer.bombardier@citi.com For the first 15 months, a 0 percent APR will apply to all new purchases and balance transfers made within the first four months of account opening. At Citi Cards, we are dedicated to protecting your privacy. One of the best travel credit cards has a new 80,000-point bonus offer. Only detects my Citi Double Cash, but not my custom cash. The best airline program for booking business-class awards depends on where you want to go, but Citi partners with several loyalty programs that have great business-class award prices to Europe, including Avianca LifeMiles, Turkish Airlines Miles & Smiles and Virgin Atlantic Flying Club. 0 Doing so can help you spot fraudulent charges and mistakes on your account. Generally, transferring points to Citi's hotel partners is less valuable than using your points for flights. You should think carefully about how you want to use the rewards youve earned, so you can wring the most value from them. Essential reads, delivered straight to your inbox. If you max out the $500 spending limit each billing cycle, youll earn $25 in cash-back rewards per month for a potential maximum of $300 in rewards annually. Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Flight segments start at 7,500 miles (under 500 miles) and go up to 15,000 miles (segments between 2,001-3,000).
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