Unlock 5% Cash Back on Qualifying Quarterly Categories with the Citi Custom Cash® Card

The Citi Custom Cash® Card arrived on the market intending to be one of the best credit cards for those who want to optimize their financial life and give more meaning to their spending.

With a zero annual fee, all purchases made using the card in eligible categories can generate 5% cashback.

In addition, other purchases made with the card also generate cashback. The customer receives 1% back on all purchases not eligible for the quarterly offer.

When using the card as a means of payment on your trips, the financial return reaches 4% — cashback on purchasing airline tickets, car rentals, and even tourist attractions with tickets purchased through Citi Travel, making the card a great partner for travelers.

If you are interested in the benefits of this card, continue reading today's text to discover even more advantages.

Table
  1. Maximize Your Savings: Earn 5% Cashback on Select Categories Every Billing Cycle with the Citi Custom Cash® Card
  2. Streamline Your Finances: Trust a Weight Booster to Organize Your Financial Life
  3. Explore the Protective and Secure Features of the Citi Custom Cash® Card
  4. Discover the Value of Applying for the Citi Custom Cash® Card
  5. The Ultimate Decision 

Maximize Your Savings: Earn 5% Cashback on Select Categories Every Billing Cycle with the Citi Custom Cash® Card

Some credit cards, such as Discover it® Cash Back and Wells Fargo Active Cash®, use a feature that promises to become increasingly popular in the financial market.

The Citi Custom Cash® Card, following a market trend, selects billing cycles in which different categories are selected so that the consumer receives a more attractive cashback.

While some cards determine categories for granting greater cashback in quarterly periods, the Citi Custom Cash® Card innovates the market each month; customers can choose a market niche to earn 5% cashback on their spending up to US$500.

After reaching the $500 ceiling, the customer receives cashback but is limited to 1% on any purchases.

Customers who wish to use the card to pay for their travel expenses will receive 4% cashback on all payments made through Citi Travel.

Streamline Your Finances: Trust a Weight Booster to Organize Your Financial Life

The Citi Custom Cash® Card has a 0% intro APR for 15 months. This offer applies to both those looking for more convenience in their purchases and those who want to make balance transfers more economically.

Balance transfers are an excellent way to organize your financial life. With a zero APR, you can redeem debt on one card and forward it to your Citi Custom Cash® Card. However, it is worth paying attention to, as the APR will be variable after the introductory period and can range from 19.24% to 29.24%, depending on your relationship with the bank, the card, and your FICO score.

However, all balance transfers must be completed within four months of the account opening. Due to the bank's internal deadline, the APR is not automatically applied to the outstanding balance, increasing your interest.

You also need to pay attention to the balance transfer fee. The Citi Custom Cash® Card automatically applies the cost, which varies between $5 and 5% of the amount being transferred, whichever is higher.

Explore the Protective and Secure Features of the Citi Custom Cash® Card

The Citi Custom Cash® Card has various protection and security features available to all its customers.

Associated with Mastercard, the card has an identity theft protection system and real-time monitoring of all Citi Custom Cash® Card transactions.

This means it is possible to quickly send an alert to the cardholder, reporting any suspicious activity and allowing them to request the blocking of the financial product.

This service is entirely free and available to all card customers. It only requires an advance release that can be carried out in a few minutes without any complications.

In addition to a bold system to protect your identity, the Citi Custom Cash® Card also has US$0 liability for any charges made through fraud.

Suppose you identify any suspicious movement or one you did not make and quickly notify the issuer. In that case, the charge will be automatically suspended, so you will not have to bear any cost.

You can also quickly activate Citi® Quick Lock, a service that immediately and instantly suspends all uses of your card, valid for both the physical and virtual cards.

This mechanism allows your recurring charges to be maintained, but any other types of transactions are suspended while the block is maintained. This is an incredible service for anyone who eventually needs to gain sight of their physical card.

Discover the Value of Applying for the Citi Custom Cash® Card

If you manage to maintain a monthly flow of expenses within the category you chose as the main one on your card, this can be an excellent financial tool to have as an ally in your daily life.

Today, the Citi Custom Cash® Card has ten categories with fixed bonuses:

  • Gas stations;
  • Grocery stores;
  • Restaurants;
  • Drugstores;
  • Streaming;
  • Gyms;
  • Construction materials and equipment stores;
  • Trips;
  • Traffic;
  • Shows and theater.

Categories can be changed periodically, depending on how much you spend each cycle. However, to truly leverage the card's full potential, it is essential to establish a consistent spending strategy.

It is also worth mentioning that categories need to be activated. In other words, just taking out the card will not guarantee any cashback.

Therefore, you also need to be disciplined about this, remaining consistent with the care that the card will eventually require so that your experience is as positive as possible and your cashback potential is genuinely achieved.

The Ultimate Decision 

That said, yes, it is a card that is worth it compared to others available on the market today. However, it is only beneficial for those who are very disciplined with their monthly expenses and take advantage of all the cashback possible every month.

So, if you already have your financial life in order, feel free to request your card through the bank's website.

If you still need to get the financial life of your dreams but are making plans about it, access other content on our website and stay up to date with tips, different cards, and financial tools that will help you in this process.

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