Citi Custom Cash — Requirements, Credit Limit & How to Get Approved (2026)
The Citi Custom Cash is a cash back card from Citi.
Based on 3 confirmed approvals so far. Statistics appear once we reach 5 approvals. Applied for this card? Add yours →
Citi Custom Cash welcome bonus
Earn $200 after you spend $1,500 on purchases in the first 6 months from account opening.
Citi publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
Citi Custom Cash APR
The ongoing APR is 19.24%–29.24% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
Citi Custom Cash annual fee
The Citi Custom Cash annual fee is $0 — no yearly cost to keep the account open.
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
- 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.
Citi Custom Cash — FAQ
What is the welcome bonus on the Citi Custom Cash?
Earn $200 after you spend $1,500 on purchases in the first 6 months from account opening. Citi publishes no end date for it — the offer runs until it is replaced.
What is the APR on the Citi Custom Cash?
The ongoing APR is 19.24%–29.24%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the Citi Custom Cash?
The Citi Custom Cash annual fee is $0.
Similar cards
See approval statistics across all cards — approval rates and starting limits by FICO band →
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.