CITI CUSTOM CASH
NO ANNUAL FEE GENEROUS SIGN-UP BONUSThe Citi Custom Cash Card is a game-changer for those who want to maximize their cashback earnings with unparalleled flexibility. This innovative credit card adapts to your spending habits, ensuring you get the most out of every dollar spent. In this article, we’ll explore the standout features, some drawbacks, and guide you on how to apply for this exceptional card.
Top 3 Benefits
1. Automatic Category Adjustment
One of the standout features of the Citi Custom Cash Card is its automatic category adjustment. Each billing cycle, the card will automatically select the category where you’ve spent the most and provide 5% cashback on up to $500 in purchases. Categories include popular spending areas such as groceries, dining, and gas stations. This ensures you’re always earning the highest possible rewards based on your spending habits.
2. No Annual Fee
Unlike many high-reward credit cards, the Citi Custom Cash Card does not charge an annual fee. This makes it an excellent choice for budget-conscious consumers who still want to reap the benefits of a rewards card. You can enjoy all the perks and cashback opportunities without worrying about an annual charge eating into your savings.
3. Introductory APR Offer
The Citi Custom Cash Card comes with an enticing introductory APR offer. For the first 15 months, enjoy a 0% APR on purchases and balance transfers. This feature is particularly beneficial if you’re planning a big purchase or looking to consolidate existing debt. After the introductory period, a variable APR will apply, but the initial offer provides significant breathing room to manage your finances effectively.
Considerations: 2 Potential Drawbacks
1. Limited 5% Cashback Cap
While the 5% cashback on your top spending category is a major benefit, it’s important to note that this rate only applies to the first $500 spent in that category each billing cycle. After reaching this cap, you’ll earn 1% cashback on further purchases in that category. For heavy spenders, this cap might limit the overall cashback potential.
2. Foreign Transaction Fees
Another consideration is the foreign transaction fee. The Citi Custom Cash Card charges a 3% fee on purchases made outside of the United States. If you frequently travel abroad, these fees can add up quickly, potentially reducing the overall value of the rewards earned.
Ready to Maximize Your Cashback?
The Citi Custom Cash Card is designed for those who want to tailor their rewards to their unique spending patterns. Its automatic category adjustment, no annual fee, and attractive introductory APR make it a top contender in the cashback credit card market. However, it’s essential to weigh these benefits against the limitations, such as the cashback cap and foreign transaction fees.
Ready to take advantage of the Citi Custom Cash Card’s benefits? Continue reading to discover more details about this flexible card and learn how to apply today. Unlock the potential of your spending and maximize your rewards with the Citi Custom Cash Card!
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