When it comes to credit cards, cashback rewards are a popular choice for many consumers. These cards offer a percentage of cash back on purchases made with the card, allowing cardholders to earn money back on their everyday spending. But with so many cashback credit cards on the market, how do you know which one is right for you? 

In this article, we’ll compare the Citi Custom Cash Card to other cashback credit cards and explain how it stands out in the crowded field.

Overview of Citi Custom Cash Card

First, let’s take a look at the basics of the Citi Custom Cash Card. This card is issued by Citi Bank, one of the largest and most well-known banks in the world. It offers a cashback rewards program that allows cardholders to earn cash back on their purchases. Cashback rewards can be redeemed for statement credits, gift cards, or merchandise. 

What’s New with Citi Cash Card?

Citi started offering a cash-back credit card with no annual fee in June 2022 to help people get more money back on the things they spend the most money on.

Each billing cycle, cardholders can earn 5% cash back on the first $500 they spend in their preferred qualified spend category. This card is like the Citi Double Cash Card, which is Citi’s other cash-back credit card with no annual fee.

You could earn up to $100 each quarter from two 5% categories you choose, plus 2% on your regular purchases and 1% on everything else. This card also comes with a good offer to get you started. You’ll get $200 back if you spend $1500 in the first six months!

Key Features

The Citi Custom Cash Card is a reloadable debit card that comes with some pretty attractive features. A custom cash card can assist you in tracking your spending while earning rewards at the same time. Let’s take a look at this product and some of the most prominent features it comes with.

1. Flexibility

One of the key features of the Citi Custom Cash Card is its flexibility. Unlike many other cashback credit cards, which offer a flat cashback rate on all purchases, the Citi Custom Cash Card allows cardholders to customize their rewards. Cardholders can choose from a variety of categories, such as gas, groceries, or dining, and earn extra cashback on those specific purchases. This customization allows cardholders to earn more cashback on the spending categories that matter most to them.

2. Introductory offer

Another standout feature of the Citi Custom Cash Card is its introductory offer. While other cashback credit cards may offer a sign-up bonus, the Citi Custom Cash Card offers a 0% introductory APR on balance transfers for 15 months. This can be a valuable tool for cardholders looking to transfer a balance from a high-interest credit card to save on interest charges.

3. Convenient

Another advantage of the Citi Custom Cash Card is that it is a MasterCard, which means that it is widely accepted by millions of merchants worldwide. This makes it a great option for those who travel frequently or make international purchases.

Comparison with other cards

Sometimes a cash card can be a bit difficult to compare. People are interested in the rewards and benefits that come with most cards, but there are so many. It can be hard to make a choice, especially when there are so many different ones available. This is where knowledge of how different cards work comes into play. 

Discover it Cash Back

When compared to other cashback credit cards, the Citi Custom Cash Card stacks up well. For example, the popular Discover it Cash Back card offers 5% cashback on rotating categories each quarter, with a cap on the amount of cashback that can be earned. The Citi Custom Cash Card, on the other hand, allows cardholders to earn extra cashback on the categories that matter most to them without any cap.

Chase Freedom Unlimited

Another popular cashback credit card, Chase Freedom Unlimited, offers a flat 1.5% cashback on all purchases. While this card may be a good choice for cardholders who want a simple rewards program, the Citi Custom Cash Card offers more potential for earning extra cashback.

New cardholders also get up to 4.5% cash back at restaurants (including takeout and eligible delivery services) and drug stores, and 1% cash back on all other purchases. 

The Citi Custom Cash Card is also a great option for those looking for a balance transfer credit card. With a 0% introductory APR on balance transfers for 15 months, cardholders can save on interest charges by transferring a balance from a high-interest credit card. Additionally, unlike other balance transfer credit cards which have a balance transfer fee, the Citi Custom Cash Card charges no balance transfer fee which makes it a more cost-effective option.

US Bank Cash+ Visa Signature Card

The U.S. Bank Cash + Visa Signature Card is one of a kind because it lets you earn 5% cash back on up to $2,000 in purchases in two categories of your choice each quarter. You can choose from many 5% categories, like fast food, department stores, ground transportation, and certain clothing stores. Also, you can choose one of three categories, like groceries, gas stations, or restaurants, where you’ll get 2% cash back with no limit on how much you can spend. You’ll get 1% back on everything else you buy.

Conclusion

The Citi Custom Cash Card stands out in the crowded field of cashback credit cards due to its flexibility and customization. With the ability to earn extra cashback on the categories that matter most to you, as well as a 0% introductory APR on balance transfers for 15 months, the Citi Custom Cash Card is a solid choice for anyone looking to earn cashback rewards on everyday spending.