Citi Custom Cash — Requirements, Credit Limit & How to Get Approved (2026)
The Citi Custom Cash is a cash back card from Citi. Welcome bonus: $200 / $1,500 in 6 mo.
Based on 4 confirmed reports so far. Statistics will appear once we have at least 5 reports. Applied for this card? Add yours →
Citi Custom Cash terms
- Annual fee
- $0
- APR
- 19.24%–29.24%
- Welcome bonus
- $200 / $1,500 in 6 mo
Citi Custom Cash credit limit
The Citi Custom Cash issues $500 – $25k. Your own limit depends on your income, how much of your existing credit you use, and how long your accounts have been open — calculate your odds and limit →
Citi Custom Cash requirements
- Suggested credit score
- 650+
- Min credit history
- 6 months
- Recommended utilization
- under 50%
- Recent hard inquiries
- up to ~5
- Credit limit range
- $500 – $25k
- Annual fee
- $0
- APR
- 19.24%–29.24%
- Welcome bonus
- $200 / $1,500 in 6 mo
- Reports to
- Experian, Equifax
How Citi decides
Rules Citi applies across its cards. They decide applications before your score is even weighed.
- One Citi approval per 8 days; no more than 2 approvals in any 65-day window.
- Citi is inquiry-sensitive: 6+ hard inquiries in last 6 months raises denial risk.
- Many ThankYou/AAdvantage cards: no new-account bonus if earned on that card/family in last 48 months.
What applicants reported
Real reported Citi Custom Cash applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
How to apply for the Citi Custom Cash
- 1Velocity: 1/8 days
- 2Denied: 1-800-695-5171
Worth knowing
- Real limit $500–$10k
- 5% auto top category
Denied? Citi takes reconsideration calls at 1-800-695-5171.
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Will you be approved for the Citi Custom Cash?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.