The Citi Custom Cash® Card may not be the first card you consider, but it does have a unique rewards-earning structure and a solid intro APR period. Unfortunately, the monthly cap on elevated earnings limits the card’s ability to pack a punch.
Intro APR offer: 0% introductory APR for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After that, the variable APR will be 19.24% - 29.24%, based on creditworthiness. There is also a balance transfer fee of 5% of each balance transfer; $5 minimum.
Rewards: Earn 5% cash back on purchases in a top eligible spend category up to the first $500 spent each billing cycle, 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025 and 1% cash back on all other purchases.
Welcome offer: Earn $200 in cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus points come in the form of 20,000 ThankYou® Points that can be redeemed for $200 cash back.
Annual fee: $0
Balance transfer fee: 5% of each balance transfer; $5 minimum.
Other benefits and drawbacks: The Citi Custom Cash® Card charges foreign transaction fees. Outside of unlocking the ability to purchase tickets on Citi Entertainment, this card doesn’t offer much in the way of additional benefits.