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Citi · credit
Last updated
Welcome offer — $200 cash back after $1,500 spend in 6 months Inferred by source
Intro APR — 0% on purchases & balance transfers for 15 months, then the variable APR Inferred by source
Apply on Citi's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 5× | Top eligible spend category each cycle — Up to $500/billing cycle, then 1% Inferred by source |
|---|---|
| 1× | Everything else Inferred by source |
No lounge access.
Using Citi Custom Cash at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. †First-year net adds the one-time sign-up bonus (counts once, not recurring). Personalize it
The Citi Custom Cash® Card has no annual fee.
The Citi Custom Cash® Card earns 5% on your top eligible spend category each billing cycle (up to $500/cycle), 1% after.
No — the Citi Custom Cash® Card does not include airport lounge access.
Yes — the Citi Custom Cash® Card charges a 3% foreign transaction fee.
$200 cash back after $1,500 spend in 6 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.
The Citi Custom Cash® Card has a purchase APR of 18.24%–28.24% variable. Intro offer: 0% on purchases & balance transfers for 15 months, then the variable APR.