Citi Custom Cash® Card: A Real Person’s Take

By Himanshu Sen

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The Ultimate Cash Back: Let’s Dive into Citi Custom Cash® Card

Hey there, wonderful readers! I’m Himanshu Sen, your friendly neighbourhood banking expert with a cool three years under my belt. Today, let’s chat about something exciting – the Citi Custom Cash® Card. It’s not just a credit card; it’s like having a financial wizard in your wallet. So, grab a cup of coffee, and let’s get into the nitty-gritty.

Automated Rewards Tailored Just for You

You know, I’ve seen my fair share of credit cards, but the Citi Custom Cash® Card’s automated rewards system is a game-changer. No more jumping through hoops – your rewards adjust based on your spending habits each month. It’s like having a personal assistant for your cash-back game. Easy peasy.

Unlocking the Earning Potential

Now, let’s talk about the good stuff – earning that sweet cash back. Picture this: 5% back on up to $500 spent in your favourite category every billing cycle. Whether it’s treating yourself to a meal out or stocking up on groceries, you’re getting rewarded. And even if you’re not in your top category, you still snag 1% back on all other purchases. How cool is that?

Citi Custom Cash® Card: The Basics, No Jargon Edition

I always tell my buddies seeking financial advice – to keep it simple. The Citi Custom Cash® Card does just that. No annual fee – that’s right, zero. Plus, a generous $200 cash back bonus after spending $1,500 in the first 6 months. It’s like a little gift for using your card. Nice touch, right?

Easy-Peasy Rewards Redemption

Navigating the world of rewards can be confusing, but not with this card. As someone who loves banking, I appreciate how straightforward it is to redeem your rewards. Cashback, direct deposits, checks, or statement credits – you’ve got options. Feeling a bit splurgy? Use your points for gift cards, travel, or even on Your call!

Understanding the Money Talk – APR and Fees

Alright, let’s talk numbers. For the first 15 months, enjoy a 0% intro APR on Purchases and Balance Transfers. After that, the APR dances between 19.24% to 29.24%. There’s a 3% foreign transaction fee and a balance transfer fee of $5 or 5%. Got it? Good.

Benefits and Perks: Making Your Wallet Happy

In my world of banking info, I always look for perks that make life better.

High Rewards-Earning Potential

The Citi Custom Cash® Card is like a superhero with 5% cash back in select categories and a $0 annual fee. It’s a win-win. Ten fixed bonus categories, from groceries to streaming services, cover your everyday spending. It’s like getting rewarded for living your life.

Let’s Compare – Because Why Not?

I often suggest a little comparison shopping. Check this out:

  • Citi Double Cash® Card: No annual fee, 0% intro APR on Balance Transfers for 18 months.
  • Discover it® Cash Back: Again, no annual fee, 0% intro APR for 15 months on purchases and balance transfers.

Compare and conquer, my friends!

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Is Citi Custom Cash® Card Your Perfect Match?

Now, let’s talk real talk. As your guide in banking decisions, I say it depends on you. The automated rewards and 5% cash back are tempting, but make sure it fits your financial goals. Take a moment, evaluate, and see if the Citi Custom Cash® Card is your financial sidekick.

In the end, this card, with its automated rewards and flexible categories, is a powerhouse in the cash-back game. It’s about finding the right fit for your wallet. Choose wisely, and let those customized rewards make your financial journey a tad more exciting.

Himanshu Sen

Himanshu Sen, a 20-year baking veteran, seamlessly transitioned to sharing insights on credit cards through his website. His culinary expertise, honed in renowned bakeries, now extends to providing concise analyses, empowering individuals in both the culinary and financial realms.

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