The Citi Custom Cash card earns rewards that are automatically tailored to where you spend most. To put it in simple terms, 1 ThankYou point equates to 1 cent of cash-back rewards. The easiest ways to check your credit card balance are online and through the credit card companys mobile app. CreditCards.com is an independent, advertising-supported comparison service. The cash price of this flight is normally $11,000+, that's a value of over nine cents per point. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. To check your credit card balance over the phone, call the customer service number you see on the back of your credit card. Card advice For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. At Citi Cards, we are dedicated to protecting your privacy. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Please view our advertising policy page for additional details about our partners. However, all credit card information is presented without warranty. Thats a pretty big bonus for a no annual fee card thats actually useful. For only 15,000 ThankYou points (or less) you can book domestic awards on United, Delta and more. Online: To apply for the Citi Custom Cash card online, visit the card's webpage. The best way to book these exclusive awards is by transferring points directly to Emirates Skywards or Singapore Airlines KrisFlyer. Stay connected with the latest travel, aviation, and credit card news. Plus, earn 1X ThankYou Points on all other purchases, Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. You can even use Wyndham points to book vacation rentals with Vacasa for 15,000 per night per bedroom. 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. It's free to enroll and monitoring begins as soon as you're signed up. WalletHub Answers is a free service that helps consumers access financial information. Top eligible spend category. Based in New York City, Stella is always on the road (or in the air). The card earns 1 percent back thereafter. 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. 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. 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. Reasonable efforts are made However, airfare is only one cost associated with traveling, and being able to offset the cost of lodging with your credit card rewards or hotel points is useful. If youre someone who has cards earning Citi ThankYou points, then it totally makes sense to pick up the Citi Custom Cash Card: The combination of theCiti PremierCard,Citi Double Cash Card, and Citi Custom Cash Card, seems pretty awesome. * 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. Select independently determines what we cover and recommend. Then, just follow the prompts to reset or retrieve your username or password. Checking your balance with an app is similar to checking it online, and its just as easy. Increase non-taxable income or benefits included by 25%. <link rel="stylesheet" href="styles.c238e81233edc3c2.css"> Hello @Gregg, . Turkish Airlines charges 7,500 for a one-way award and Avianca typically charges 6,500 to 12,500 miles for one-way domestic awards. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Simply going to www.citi.com to login. Adding the Custom Cash may also be a good idea for existing Citi cardholders seeking to maximize their rewards through the Citi ThankYou program. Citi launched a no-annual-fee cash-back credit card in June to help consumers put more money back in their pocket on the things they spend the most on. That way you can lock your account or take other action as needed. For more information, check out this guide on what to do if your credit card application is denied. As a Citi account holder, you also get free FICO credit score access. What makes . Receive 1 Free Night Award every year after your Card renewal month. ***Select streaming services are defined as cable, satellite and streaming providers such as 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. Sign in with your account information, or set up online access to your account (most bank websites have a login or signup box on the landing page). 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). Ask Citibank customer service to send you the new PIN either in the mail, over text, or by email. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score. In a year, youll get $300 in cash back. For more information about the new Custom Cash Card, visit citi.com/customcash. Citi ThankYou points are easy to earn with the right Citi credit cards and have the right mix of redemption options to provide you value and flexibility. Find the right card for you. Terms and Conditions Apply. Withdraw up to 1,000 cash at ATMs per day if you are a Citigold or Citigold Private Client, or up to 500 per day for all other clients. Its important to remember that some credit card issuers will require your Social Security number or other information to verify your identity when you activate your card. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Citi cards that earn ThankYou points include: 3X points per $1 spent at restaurants, supermarkets, gas stations, and on hotels and air travel, 1X points on all other purchases, 60,000 bonus ThankYou Points after you spend $4,000 in purchases within the first 3 months of account opening, For a limited time, earn 5 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through June 30, 2024. This wont impact your credit score. The Citi Custom Cash Card earns 5% back on your highest spending category each billing cycle, up to $500 in purchases. She's been quoted in Fatherly, Consolidated Credit, Grow from Acorns and the Haven Life blog, among others. The offers that appear on this site are from companies from which CreditCards.com receives compensation. 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. It's different from other cashback credit cards because of the flexibility it offers for earning bonus rewards. The Citi Custom Cash Card earns 5% on up to $500 spent in your highest spend category per billing cycle, then 1% back on all other spending. You can earn 5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back . This could potentially be a compelling offer for cardholders who want to maximize their purchases with its up to a terrific 5% cash-back rate. What do you make of the Citi Custom Cash Card, and do you plan on applying? If youre adding the Citi Custom Cash on top of your Citi Prestige or Citi Premier cards, you can unlock the option to convert your points into miles with Citis hotel and airline transfer partners to extract potentially greater value from them. Media Contacts: Citis hotel and airline transfer partners, Do Not Sell or Share My Personal Information. is a freelance writer and blogger specializing in personal finance. It can be overwhelming but to keep it simple, know that you can always cash out your points at a rate of one cent each as a statement credit, direct deposit or check. This is a great option for family vacations and can often yield a value of two cents per point or more. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This is a recurring post, regularly updated with new information. It may be worth a look if youre interested in a flexible rewards structure. So if youre denied for one card, it doesnt mean you cant be approved for another. Card rating*: . We may receive compensation when you click on links to those products. 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 log in to your Citi Custom Cash Card account, go to the login page on the Citibank website or mobile app and enter your username and password in the appropriate fields. Privacy Policy. Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. You'll enjoy a 0% annual percentage rate (APR) for 15 months on purchases and balance transfers; after that, the variable APR will be 18.74%-28.74%, based on your creditworthiness. This is a solid option when cash fares are low, plus you'll earn miles on the flight. The standard variable APR for purchases for the Citi Custom Cash? With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. The following Email Policy was developed to help you understand how we use email and what your choices are. Its good practice to check your credit card balance regularly. 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. Learn More Earn 20,000 Bonus ThankYou Points after qualifying purchases. Either way, it pays to look at your last six to 12 months of purchases to better understand your spending habits and know if the Citi Custom Cash is a good fit for you. FICO scores are updated monthly so you can easily track score changes over time. Privacy Policy. While its certainly not the most outstanding offer, the sign-up bonus is a nice little incentive to apply. The Citi Custom Cash Card is a solid cash-back card with 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. Additional reporting by Ryan Wilcox and Chris Dong. The offers that appear on this site are from companies from which CreditCards.com receives compensation. What's the starting credit limit for the Citi Custom Cash Card? Our points-obsessed staff uses a plethora of credit cards on a daily basis. The Citi Custom Cash Card is an underrated no annual fee credit card that can earn you up 5x points. Just be sure you aren't missing out on rewards in your second- and third-highest categories. Not only does the Citi Custom Cash function as a great cash back card, but it also works decently as a balance transfer card. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. 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. 2023 SELECT | All rights reserved. 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. Well use this information to to verify your credit profile. Fee for foreign purchases3% of each purchase transaction in US dollars. Cash back is earned in the form of ThankYou Points, which can be redeemed for cash back as a direct deposit, check or statement credit. , which can hurt your chances of getting a good credit card in the future. And this includes points transfers you can make to airlines and hotels if you have the Citi Premier card. October 2021. 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. You may prefer the Citi Custom Cashs 5 percent cash back and $500 spending cap if youre a modest spender. 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. 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. Keep an eye on your inboxwell be sending over your first message soon. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if its a close call between approval and rejection. This card offers cash back rewards that adjust to how you spend from month to month by rewarding you with 5 percent cash back on your top spend category, on up to $500 every month. Its awesome to have a no annual fee card that can help you maximize rewards. Minimum interest charge$0.50. Cash advance feeeither $10 or 5% of the amount of each cash advance, whichever is greater. Either of these methods will let you see the most up-to-date credit card balance when you check. Single women own more homes than single men but get lower returns here are 5 tips to change that. Click here to change your cookies settings. Rewards rate that highly favors travel purchases. Its also good to keep track of your balance to make sure you arent using too much of your available credit. It also comes with a 15 month 0% APR introductory. You can redeem Citi ThankYou points in a variety of ways. 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. By providing my email address, I agree to CreditCards.coms Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. You can book United by transferring points to Avianca or Turkish Airlines. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. This bonus offer will be fulfilled as 20,000 Points, which can be redeemed for $200 cash back. Coach Natalie Administrator, Moderator admin. As a side note, you to call Wyndham Rewards at 800-441-1034 to book Vacasa rentals. It's an excellent option for both beginners who are looking for easy-to-use credit card rewards and rewards experts who want to maximize their points' value. For many consumers, earning cash back is the fuel that makes these activities possible, so much so that more than two-thirds of Millennials (69%) say that getting cash back is absolutely essential or very important to them when applying for a new credit card. This is contrary to what I have read as the advice here and elsewhere. Were fans of the Citi Custom Cash Card since it comes with an easily attainable sign-up bonus youll earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. The Citi Custom Cash Card has an innovative rewards structure, as the card offers 5x points (or 5% back) in select categories, all with no annual fee. By providing my email address, I agree to CreditCards.coms 2x points on all other eligible purchases. Citibank UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. And you may indirectly get less value paying with points for a rental car or hotel you book through Citi's travel site because you won't be able to shop for the lowest price. Emirates doesn't have an award chart but you can use its miles calculator to find the price of any award itinerary. Find more Citi Debit Card features and benefits in the pages below. Outside of banner ads published through the Boarding Area network, this compensation does not impact how and where products appear on this site. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. Link your Citi Debit Card to any ofyour UK Citi accounts, Using your debit card safely and securely online, Things to know before using your card abroad, How to dispute a Citi Debit Card transaction, What to do in the event of a lost or stolen card, Explore a wide range of experiences and offers in destinations around the world, Enjoy a premium concierge service and access to hundreds of airport lounges. 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. Credit ranges are a variation of FICO Score 8, one of many types of credit scores lenders may use when considering your credit card application. Application link: Citi Custom Cash Card with $200 cash back after you spend $1,500 on purchases in the first six months of account opening. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Generally, transferring points to Citi's hotel partners is less valuable than using your points for flights. 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. That privilege is reserved for cardholders of the Citi Premier Card and the Citi Prestige Card*. When you click on 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. Check here before booking an award fare. 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. You can book awards with Star Alliance partner airlines through Avianca or Turkish Airlines. Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. The Citi Custom Cash Card offers significant value in that sense. Phone number from the sticker attached on your card. Content published under this author byline is generated using automation technology. Call Citibank customer service at 1-800-950-5114, or call the number on the back of your Citi Custom Cash credit card. Your credit cards journey is officially underway. Plus, your own feed of TPG content. Can you upgrade a Wells Fargo Platinum credit card? 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. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Making the most of your Citi Custom Cash rewards starts with hitting that $500 cap in your top spend category each billing cycle. Your feedback is important in helping us keep our community safe. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Last four digits of your Social Security number, Do Not Sell or Share My Personal Information. 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