You only qualify for this bonus if you have not received a bonus for opening a Citi Custom Cash account within the last 48 months. The bonus dollar amount is competitive, but it requires spending more money than other similar credit card offers to earn the bonus. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. People who want to maximize their overall cash back will need to pair this with a credit card that earns a higher cash back rate on all other purchases.Įarn $200 cash back after you spend $1,500 on purchases in the first six months of account opening. The card offers automatic 5% cash back in your highest eligible spending category each month on up to $500 in purchases, making the process effort-free on your behalf. The Citi Custom Cash credit card is a good fit for people who don’t want to have to think about choosing a bonus spending category or activating their cash back each quarter. Some credit cards offer multiple higher-earning rewards categories before moving all other purchases to a lower base earning rate.
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Redeem ThankYou Points for cash back at 1 cent per point: This card gives you a full 1 cent per point when redeeming for cash back, making cash back a reasonable redemption option.No annual fee: This card doesn’t require you to pay an annual fee to have the card and access the higher cash back rate and sign-up bonus.Some other cards offer similar features with lower cash back rates or the requirement to choose the category in advance. Earn 5% cash back on highest spend category: This card automatically identifies your highest eligible spending category each billing period and applies an equivalent of a 5% cash back rate on qualifying purchases after the billing cycle closes.See Key Cashback Credit Card Terms and Conditions for transaction exclusions and additional details, which are subject to change and may be found at back rate on all other purchases is lacklusterĥ% cash back rate limited to $500 in monthly purchases Returns will reduce your Cashback Rewards balance. Cashback Rewards are awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. If you do not meet the eligibility criteria during the grace period, your rate for the month immediately following the grace period will be 1%, beginning on the Evaluation Date. You will receive a grace period for the first month in which you do not meet the eligibility criteria. New card accounts will receive at least a full calendar month at the 2% cashback rate prior to the first Evaluation Date. Your 2% earnings will start on this date and apply until your next monthly evaluation (on the fourth business day of the following calendar month). On the fourth business day of each month (“Evaluation Date”), we will determine whether you are entitled to earn 2% in Cashback Rewards by meeting the eligibility criteria during the prior month.
You may also be eligible for 2% with an open eligible Key Private Bank checking account. Qualifying transactions include, but are not limited to, point of sale transactions, bill payment(s), ATM transactions, check, cash, or direct deposits, and electronic funds transfers. To be eligible for 2% in Cashback Rewards, you must have an eligible open KeyBank consumer checking account (excluding a health savings account) with 5 or more qualifying transactions posted to that same checking account in a calendar month.
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