Custom Cash℠
On Citi's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.74% - 28.74% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on purchases in your top eligible spend category each billing cycle, up to the first $500 spent each billing cycle. Earn unlimited 1% cashback on all other purchases. Special travel offer: Earn an additional 4% cashback on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
1% - 5% Cashback
Welcome Offer Earn a $200 cashback after spending $1,500 in the first six months of account opening.
$200
- Welcome Offer: Earn a $200 cash bonus after spending $1,500 in the first six months of account opening.
- 5% Cashback on Top Eligible Category: Earn 5% cashback on purchases in your top eligible spend category each billing cycle, up to the first $500 spent each billing cycle. The eligible categories are Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
- 1% Cashback on All Other Purchases.
- 4% Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Annual Fee: None.
- Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
- 0% Intro APR on Purchases: For 15 months from account opening.
- 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 120 days.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Regular APR: After the introductory period, a variable APR of 18.74% - 28.74% applies to purchases and balance transfers.
- Redeem Points: For cashback (100 ThankYou® Points = $1) as a statement credit, direct deposit, or mailed check. You can also use them for gift cards and travel, or shop with points at Amazon.com and PayPal, and more. Redemption rates may vary. Cash rewards do not expire.
- Choose Your Payment Due Date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
- Authorized Users: Add authorized users at no cost and earn points on purchases they make.
- Citi Entertainment®: Purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
- Additional Features: Include automatic account alerts, contactless pay, Digital Wallets, the ID theft protection, zero liability protection, free access to your FICO® Score, 24-hour fraud protection, Citi® Quick Lock, and 24/7 customer service.
- Click ‘Apply Now’ to see the full terms and conditions.