If you want no-annual-fee cash back credit card with a robust rewards program and a decent sign-up bonus, the Citi Custom Cash(sm) Card is a good choice. While its high 5% cashback rate is attractive, the Citi Custom Money Card has a few downsides, which we will discuss in this review. The card has a $500 spend limit and a high balance transfer fee.
Fees and Interest:
While the 5% cashback rate of the Citi Custom cash card is enticing, the card has a high annual fee of $39. This can be an issue if you want to save money. If you want to avoid paying an annual fee and earn rewards, the Citi Custom Cash Card is the best option. This credit card also offers a rewards program that doesn't charge late fees or interest, so you won't have to worry about paying late fees and interest. As long as you make your monthly payments on time and limit your spending to a certain amount, you can avoid having to pay late fees or interest on your purchases.
The Citi Custom Cash(sm) Card stands out from other 5% cash-back cards with its flexible bonus categories. The Citi Custom Cash(sm) Card allows you to select a 3 percent cash back category and receive a maximum of 1 cent per point. The card is straightforward and easy to use, but it has a $2,500 spending limit for each billing cycle. There is no fee to open an account, but the annual fee is a constant concern for many consumers.
Customizable Rewards Program:
The Citi Custom Cash Card offers a customizable rewards program with five points per $1 spent on eligible purchases, and one point for every dollar spent on everything else. The Citi Custom Cash is a solid choice for many consumers. It offers an easy-to-obtain welcome bonus and doesn't require activating bonus categories, which other 5% back cards require. Furthermore, the Citi Custom Cash also features an excellent balance transfer option. This credit card is perfect for consumers who want a low-maintenance, no-fee rewards credit card.
The Citi Custom Cash(sm) Card is another good choice for people who want a 5% cashback credit card. The card is easy to use and comes with no annual fee, but it has the lowest bonus percentage of any other major brand. While the Citi Custom Cash(sm) has a lower annual fee, the other two cards offer more categories and a lower annual fee. This can be a great choice for people who want to maximize their rewards.
Low Maintenance Card:
Citi Custom Cash is a low-maintenance card, which is a major benefit for those who travel frequently. Other 5% bonus category cards require activating bonus categories every quarter, which can be a hassle for people who don't spend a lot of money on a single card. Therefore, the Citi Custom Cash is a low-maintenance card with no annual fee. It is also a good choice for consumers with good to excellent credit.
If you plan to spend a lot of money on common expenses, the Citi Custom Cash Card is a good choice. The card has a 5% reward rate for eligible purchases, but the card has a $500 spending limit per billing cycle. It's worth planning carefully so you don't overspend because it only rewards you for grocery purchases. This is a great way to maximize the benefits of this card. Its annual fee is the only downside to this credit card.
Should be Flexible:
A credit card's rewards program should be flexible enough to suit the user. If you spend most of your money at the same time, you should avoid cards that offer only a single reward rate. This will leave you earning more and avoiding debt. You should always keep your spending habits in mind when choosing a credit card. If you spend a lot of money, it's important to choose one that offers more benefits. A custom cash card should give you the option to make more money by spending less.
The Citi Custom Cash Card offers a 5% rewards rate with no annual fee. This is a solid option if you spend a lot of money in one category. The Citi card offers a wide range of rewards categories, but the best feature is that you can choose to maximize your rewards in any category. If you're looking for a flexible card, the Citi Custom Cash Card can be a great choice.
