If you are looking for a card that provides a deferred payment fund and rewards you for your spending, you will be interested in learning about Citi's options.
In the following article, we will explain how to apply for the Citi Custom Cash Credit Card, its benefits, interest rates, and some of its drawbacks.
- About Citi
- Citi Custom Cash Credit Card
- Requirements to apply for the Citi Custom Cash Credit Card
- How to apply for the Citi Custom Cash Credit Card?
- Fees applied to the Citi Custom Cash Credit Card
- Benefits of applying for the Citi Custom Cash Credit Card
- Contact information for Citigroup
About Citi
Citibank is a financial organization that was established in 1812 to fulfill the banking needs of individuals interested in safeguarding their capital.

Citigroup is one of the divisions under this entity, and it is responsible for providing financial products and services to individuals, businesses, and governmental entities.
Citi also operates as an online platform where it offers its clients a wide range of products that are easily accessible. However, this is not the sole means of doing so.
Financial Products Available at Citi
Citi offers a wide range of products that cater to the financial needs of different types of clients. Throughout its history, the institution has been able to expand not only within the United States but globally as well.
Among the most requested products are bank accounts for safeguarding resources, short—and long-term loans, insurance policies, and a housing savings plan.
However, one of the most far-reaching and significant products is the credit cards designed to meet the financing needs of individuals and businesses.
Citi Custom Cash Credit Card
One of Citigroup's credit cards is Citi Custom Cash, a payment tool that not only provides you with a fund payable in convenient installments but also rewards you for your purchases.

In this way, you can benefit from obtaining a short-term credit that will also generate a considerable percentage of the expenses you have incurred.
Furthermore, there are no rotating bonuses applied, and the earnings percentage will always remain the same. Therefore, you can calculate month by month the reward you receive for your payments.
Features of the Citi Custom Cash Credit Card
While it functions like a conventional credit card, the Citi Custom Cash Credit Card has specific features that define and differentiate it from other similar cards. Some of the most significant ones include the following:
- By simply obtaining this card, you will benefit from a subscription to Citi's rewards program, earning up to 5% cash back in a spending category, up to a limit of $500;
- For all other purchases, you will receive 1% reward;
- You will also get up to $200 back for spending over $1500 in the initial months of using the card;
- No annual fee payment required;
- The APR applied is 0% for the first 15 months of card usage, resulting in substantial interest savings.
Additionally, it is backed by one of the world's most significant financial consortia, MasterCard, making it a tool for both national and international use.
Requirements to apply for the Citi Custom Cash Credit Card
To apply for this credit card, you must meet certain criteria stipulated by the institution. Some of the most significant ones are detailed here:

- Be over 18 years old.
- Have a legal resident status in the United States.
- Have a certifiable source of income.
- Have a registered address.
In addition, you must have a sufficient credit score to qualify as a beneficiary of this card and, of course, have maintained a history of timely payments on similar products.
Documents Required to Apply for Citi Custom Cash Credit Card
In order to verify and support the accuracy of the information provided to the bank during the application process for this card, you will need to submit the following documents:
- Valid Identification Document.
- Current Employment Certification or Income Certification issued by an accountant.
- Document proving that you have a residence registered in your name.
However, even if you provide all the required documents, the bank is the sole entity that can approve or reject the application for this and other Citi credit cards.
How to Apply for the Citi Custom Cash Credit Card?
After verifying that you meet Citigroup's requirements, you can start the online application process by following the steps below.

- Go to Citigroup's website.
- In the menu, find the Credit Cards section.
- Select the option "Citi Custom Cash Credit Card".
- Review the card's features carefully to ensure you qualify as a cardholder.
- Click on the "Apply Now" button.
- Fill out the form displayed on the screen, entering your personal information, address, and phone number.
- You will also need to provide your financial information.
- Upload the required documents digitally.
- Agree to the entity's terms and conditions by clicking the designated checkbox.
- Select the "Agree and Submit" button.
This information will be sent to Citi's Credit Analysis Department, which will conduct a thorough review to determine your eligibility for this credit card.
Can I avoid paying interest on my purchases?
Yes, in addition to benefiting from a percentage of your purchases, Citi specifies that the due date for your bill is 23 days after the billing cycle closes.
If you make the payment before this period, the institution will discount the interest applied to the purchases you have made, provided that you subscribe to the Citi Flex Plan.
However, certain transactions are subject to interest payment, such as cash advances, balance transfers made from this fund, and City Flex loans.
Applied Rates to Citi Custom Cash Credit Card
You will be waived from paying interest for the first 15 months of using this credit card. However, after this period, you will be required to cover a rate that depends on your transaction type.
- For credit card purchases, the APR will range from 18.24% to 28.24%, based on your creditworthiness and how well you have managed the tool.
- For transfers, an introductory 0% APR is applicable for the first 15 months from the date of the first transaction of this kind. After that, the applied rate will be the same as for purchases.
- For cash advances, the applied interest rate will be 29.49%.
These rates may vary based on the market, so we advise you to maintain a strong financial position to prevent the accumulated debt from growing and incurring penalties.
Commissions for transactions made with the Citi Custom Cash Credit Card
In addition to the charges for purchases made, you must also consider the payment of certain fees that arise from transactions made with this card or delays in agreed disbursements with the bank.
- For cash advances, the fee may be $10.00 or the equivalent of 5% of the total transaction amount. Whichever is higher.
- For balance transfers, the fee will be between $5 or 5% of the transaction.
- For transactions on foreign platforms, the fee will be 3% of the total amount of each transaction.
- The penalty will be $41 for late payments or payments returned due to reasons beyond Citigroup's control.
For this reason, it is important to consider the Annual Total Cost of each credit card, as with this estimated calculation, you can determine if you have the financial means to take on this type of debt.
Benefits of Applying for Citi Custom Cash Credit Card
In addition to a cashback credit plan for purchases, this credit card offers several advantages that position it well in the market. Some of the most important benefits are as follows.

- Annual fee waiver, which means the card has a Total Cost lower than others of its kind.
- The application process is straightforward, and you can even do it online without visiting a bank in person.
- Multiple payment options to prevent late payments that could harm your credit history or lead to penalties.
- As a MasterCard-backed card, it's accepted both domestically and internationally.
- Up to 5% rewards in specific categories and 1% on all purchases.
- Introductory 0% interest rate for both purchases and transfers.
- For the first six months, earn a $200 reward if your total spending reaches $1500.
Moreover, one of the most significant benefits is the rewards system through the ThankYou Program points accumulation, which can be redeemed for a variety of products.
Cons of the Citi Custom Cash Credit Card
There are many benefits to applying for the Citi Custom Cash Credit Card; however, we cannot overlook some aspects that put it at a disadvantage when compared to other similar cards.
- Rewards for purchases have a limit of $500, meaning that once you reach this amount in spending, you will no longer receive 5% cash back but only 1%.
- The interest rate applied depends on your creditworthiness, which is at the bank's discretion. Therefore, you will only know the specific rate after your profile has been evaluated.
- The 5% cash back on purchases is subject to specific categories. This implies that only purchases from categories determined by the bank on their website will qualify for the cash back.
It is important to note that despite these cons, the benefits of this card can outweigh them, and the application process is accessible to all users.
Contact Information for Citigroup
To learn more about the benefits of this or other credit cards issued by Citigroup, you can visit the main headquarters located in New York City, United States.

You can also visit any Citi branch near your home or workplace. You can locate it on the CitiGroup website under “ATMs and Branches” section.
Citi's website also has a FAQ section that can be very helpful in answering your questions. Additionally, you can use the inquiry form available on their website.
Citigroup Phone Contacts and Website
To contact Citigroup's customer service department by phone, call 1-800-950-5114 or 1-800-947-9100 for Spanish-speaking customer assistance.
The interactive chat service available on the Citi website is also a good option to get answers to your questions or receive guidance on how to apply for these credit cards.
If you want detailed information about these or other cards, visit the Citigroup website and locate the credit cards section in the main menu.
Conclusion
Credit cards not only benefit you with a payable fund on installment, as many of their advantages can be enhanced through the purchases you make with them.
Disclaimer: By approving this credit card, you will assume the risks stipulated by the institution. For this reason, we invite you to review the terms and conditions issued by Citigroup.