A few key benefits make the Citi Custom Cash℠ Card a great value.
Cash back rewards
The Citi Custom Cash℠ Card earns 5% cash back in your top eligible spending category every billing cycle, up to a spending cap of $500. All other purchases earn 1% cash back, including bonus category purchases beyond that $500 spending cap. Here are the categories that are eligible to earn 5% back:
- Gas stations
- Grocery stores
- Select travel
- Select transit
- Select streaming services
- Home improvement stores
- Fitness clubs
- Live entertainment
That high cash back rate is the card’s most valuable perk. Not many cash back credit cards offer 5% back, and to make it even better, you get it in whichever category you spend the most. If you max it out by always spending $500 in your top bonus category, that’s $25 cash back per billing cycle, which can add up to $300 per year.
You’ll earn $200 in bonus cash back after you spend $750 on purchases in the first three months of opening the account. This is one of the better credit card sign-up bonuses. It offers a large bonus amount, and you don’t need to spend too much to get it. If you put at least $250 in purchases per month on the card, you’ll spend enough to get the bonus.
No annual fee
If you’re looking to avoid extra credit card fees, the Citi Custom Cash℠ Card will work for you. It’s a no annual fee card, so you can carry it free of charge.
0% intro APR offer
The Citi Custom Cash℠ Card packs in a long 0% intro APR offer for 15 months on both purchases and balance transfers. The 0% intro APR offer can help you finance the cost of a large purchase or help you get out of debt faster. Importantly, few credit cards offer such a rich rewards program, big bonus, and long 0% intro APR offer for both purchases and balance transfers.
View more information: https://www.fool.com/the-ascent/credit-cards/citi-custom-cash-review/