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Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Rates and Fees

Citi Custom Cash® Card

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
Regular APRAnnual FeeCredit Needed
19.24% - 29.24% (Variable)$0Excellent, Good, Fair

Offer Details

Acceptance Criteria
Credit Needed
Excellent, Good, Fair
APR Overview
Intro Balance Transfer APR
0% intro APR for 15 months on Balance Transfers
Intro Purchase APR
0% intro APR for 15 months on Purchases
Regular APR
19.24% - 29.24% (Variable)
Fees And Charges
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee
$0
Rewards
Reward Type
cash back

31 Product Reviews

Travis
A Waste of Time
4 months ago

With everything in Great shape (CS, income, and approval odds) yet still denied! Never Again!

Katherine lantz
Good
6 months ago

Very much

Arthur Coleman
Mr.
9 months ago

I am looking for ways to improve my credit as I am just beginning to build it from scratch. If the APR isn't unreasonable than this may be a good fit for me.

Bonnie
Cap
1 year ago

Useful information and helps to keep track of your credit .

N Harris
Very good chance
1 year ago

"What a joke and a waste of time. Credit scores in 700’s no late payments. Very Good Chance of approval and denied. The only reason your getting one star is because the choices won’t allow for zero stars. "

MeMyselfandEye
Consumer
1 year ago

Don't believe all the glowing reviews. Bank employees write some of these.

John
750 score and denied
1 year ago

"I should have know better than to apply with the bait and switch tactics of this website. I have a score of 726-790 with all three bureaus and was debited for this card."

Em
Waste Of Time
1 year ago

This company is trash. Had two cards with them. Cancelled both and closed accounts. Horrible to deal with. Use Capital One. American-based tech support and customer service. Stellar company.

Dee
dailycredit scores / credit card options
1 year ago

i like the many choices of cash back credit cards along with updated daily credit scores

Misty
Say good chance getting approved
1 year ago

"This is a joke I ran my credit for nothing to get told unfortunately you were not approved so now got a big hit on my credit for absolutely nothing if I was you do not apply for this card "

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.