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Author - Sam
Updated: February 21, 2024 | Credit Card Review The Citi Custom Cash card makes a great card for the everyday mom. You earn 5% cashback on purchases in your top eligible category each billing cycle, on up to the first $500 spent, then 1% cashback. Eligible categories are restaurants, gas stations, grocery stores, select travel, select transit, select streaming Services, drugstores, home improvement stores, fitness clubs, and live entertainment, and 1% cashback on all purchases. The card does not have an annual fee so you get top cashback with no annual fee. Cashback can be converted to Citi ThankYou® Points.
- Double dipping: You can have only one Citi Custom Cash card
- Max cards: Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days
- Credit bureau: Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax (depending on your state, search your state in our credit card database)
- If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report
- Combining same-day credit inquiries: Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined. Note, you cannot get approved for more than one Citi personal card within 8 days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
- Application status: You can check your application status here or call 1 888 201 4523
- Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered
Quickest way to get my card: The Citi Custom Cash card will be available online immediately after you get approved (the instant card is only for 10% of the credit limit). Citi physical credit cards cannot be expedited and will arrive after 7-10 business days
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $500-$13,750
Avg. Credit limit$5,848
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit 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
- Balance transfer Fee: 5% or $5, whichever is greater
- You cannot transfer balances from another credit card issued by Citi Bank
- Balance transfers must be completed within 4 months of account opening
- Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR Offer
Get two additional years to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per item.
Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $50,000 per year.
The points can be redeemed as cashback for 1 penny per point.
If you only have the Citi Custom Cash Card then you cannot transfer your points to any partners.
But if you also have the Citi Premier Card or the Citi Prestige, then you can transfer your points to one of these cards and then transfer your points to any of the following airline or hotel partners.
Airline partners:
| Transfer Ratio | Transfer Time | |
| Aeromexico – Club Premier | 1:1 | Instant |
| Air France, KLM – Flying Blue | 1:1 | Instant |
| Avianca – LifeMiles | 1:1 | Instant |
| Cathay Pacific – Asia Miles | 1:1 | Instant |
| Emirates – Skywards | 1:1 | Instant |
| Etihad Guest | 1:1 | Instant |
| EVA Air Infinity MileageLands | 1:1 | 2 days |
| JetBlue – TrueBlue | 1:1 | Instant |
| Qantas Frequent Flyer | 1:1 | Instant |
| Qatar Airways Privilege Club | 1:1 | 2 days |
| Singapore Airlines -KrisFlyer | 1:1 | 2 days |
| Thai Airways – Royal Orchid Plus | 1:1 | 4 days |
| Turkish Airlines – Miles & Smiles | 1:1 | Instant |
| Virgin Atlantic – FlyingClub | 1:1 | Instant |
Hotel partners:
| Ratio | Transfer Time | |
| Choice Privileges | 2:1 | Instant |
| Wyndham Rewards | 1:1 | 24 hours |
