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When you're approved for the Citi® Double Cash Card – 18 month BT offer, Citi sets a credit limit based on your income and credit history. Many consumers have reported receiving starting credit limits between $1,000 and $10,000 with the Citi® Double Cash Card – 18 month BT offer card. Although credit limits in that range are most common, it's possible to get more or less than that. For example, some people have gotten $25,000 to start, and others have gotten $500. A high credit score increases your chances of a high credit limit. Here are the average credit limits for Americans by their credit score range:
Most successful applicants for the Citi® Double Cash Card – 18 month BT offer card have a credit score of at least 700. So, to get this card, you'll likely need to be in one of those top two ranges, which could help you qualify for a credit limit from $5,000 to $10,000. That's not guaranteed, though. You can't be 100% sure what your starting credit limit will be until you're approved for the Citi® Double Cash Card – 18 month BT offer card. Fortunately, you may be able to increase it quickly if you're not satisfied. Some cardholders have successfully requested credit line increases immediately after getting the card. You can ask for a credit line increase with Citi either by calling the number on the back of your card or online by following these steps:
You'll receive a response right away letting you know if you got the increase. Your starting credit limit is especially important if you're planning to get the Citi® Double Cash Card – 18 month BT offer to refinance debt. Since it has a 0% intro APR for 18 months on balance transfers, it's one of the best balance transfer credit cards and can save you quite a bit of money. The amount of debt you can transfer will depend on your credit limit. Your balance transfers, plus the 3% balance transfer fee (with a $5 minimum), can't be more than your card's credit limit. That could be an issue if your starting credit limit is lower than you'd like. If you have $5,000 in credit card debt and Citi gives you a $2,000 credit limit, then you can't take full advantage of the balance transfer offer. To be fair, this is a possibility with any balance transfer card. Every card issuer sets your credit limit when it approves you for a credit card. There's no way to know in advance if your balance transfer card will have a large enough credit line for all the balances you want to transfer. The good news is that Citi makes it easy to request a higher credit limit. Even if you're not approved for the amount you want at first, you may be able to get an immediate increase.  The Ascent's detailed credit card reviewCiti® Double Cash Card – 18 month BT offer, Read full review With the Citi Custom Cash℠ Card, the category where you spend the most is also where you earn the most. Every billing cycle, it earns 5% cash back on up to $500 spent in one eligible category from a list of 10, which include grocery stores, restaurants, and gas stations. In addition to one of the highest cash back rates you'll find, it also offers a valuable sign-up bonus. Read our detailed Citi Custom Cash℠ Card review to find out if you should apply.
Rating image, 5.00 out of 5 stars. Credit Score: Intro APR Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular APR 17.74% - 27.74% (Variable) Rewards Info IconCircle with letter I in it. 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases 1% - 5% cash back Welcome Offer Info IconCircle with letter I in it. Earn $200 in cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 20,000 ThankYou® Points
This credit card is a good fit for: Consumers who want to maximize cash back in one spending category. This card also works well in combination with a flat-rate rewards card. Top perksA few key benefits make the Citi Custom Cash℠ Card a great value. Cash back rewardsThe Citi Custom Cash℠ Card earns 5% cash back in your top eligible spending category every billing cycle, up to a spending cap of $500. Other purchases earn 1% cash back, including bonus category purchases beyond that $500 spending cap. Here are the categories that are eligible to earn 5% back:
That high cash back rate is the card's most valuable perk. Not many cash back credit cards offer 5% back, and to make it even better, you get it in whichever category you spend the most. If you max it out by always spending $500 in your top bonus category, that's $25 cash back per billing cycle, which can add up to $300 per year. See more: Best Gas and Groceries Credit Cards Sign-up bonusYou'll earn $200 in bonus cash back after you spend $1,500 on purchases in the first six months of opening the account. This is one of the better credit card sign-up bonuses. It offers a large bonus amount, and you don't need to spend too much to get it. If you put at least $250 in purchases per month on the card, you'll spend enough to get the bonus. No annual feeIf you're looking to avoid extra credit card fees, the Citi Custom Cash℠ Card will work for you. It's a no annual fee card, so you can carry it free of charge. Read more: Best No Annual Fee Credit Cards 0% intro APR offerThe Citi Custom Cash℠ Card packs in a long 0% intro APR offer for 15 months on both purchases and balance transfers. The 0% intro APR offer can help you finance the cost of a large purchase or help you get out of debt faster. Importantly, few credit cards offer such a rich rewards program, big bonus, and long 0% intro APR offer for both purchases and balance transfers. More options: Best 0% APR Credit Cards
Learn more: Best Rewards Credit Cards As of Nov. 08, 2022
What could be improvedThere is an area where this Citi credit card could be better. Bonus cash back limitsYou earn a high cash back rate with the Citi Custom Cash℠ Card -- but only in one category, and only on up to $500 in spending per billing cycle. Some of the other top credit cards offer multiple bonus categories or have bonus categories without spending caps. Make sure you compare credit cards to see how much you could earn with different card products. It'd be great to see Citi offer more bonus cash back, such as 3% back on your second-highest spending category each billing cycle. Another option would be bumping up the spending cap to $1,000 per billing cycle. Either of those would help consumers maximize credit card rewards even more. Find the best credit card for your needsCompare credit card rewards, fees, APRs, and more using our side-by-side comparison tool. Suggested credit scoreIt helps to have a FICO® Score of 670 or higher when applying for the Citi Custom Cash℠ Card. As one of Citi's most valuable cards, it's intended for consumers who have good to excellent credit. Your credit score isn't the only factor Citi looks at, so that alone doesn't guarantee an approval or a denial. But it is one of the most important factors. The Citi Custom Cash Card is right for you if:You want to earn cash back and you have high spending in one of its bonus categories. The best thing about the Citi Custom Cash℠ Card is that just about anyone can get good value from it. If you spend anywhere from about $200 to $500 per billing cycle in one of its 5% eligible categories, you'll collect plenty of cash back with this Citi card. FAQs
What is the limit on a Citi custom cash card?Citi Double Cash Card
You earn 2% cash back on all purchases (1% when you buy and an additional 1% as you pay off those purchases) with no spending caps or select categories, unlike the Citi Custom Cash Card, which limits you with a $500 spending cap in a single category each billing cycle.
How hard is it to get approved for Citi Custom Cash?Is it hard to get a Citi Custom Cash card? Yes, it is hard to get the Citi Custom Cash℠ Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Citi Custom Cash.
What score do you need for the Citi custom cash card?Suggested credit score
It helps to have a FICO® Score of 670 or higher when applying for the Citi Custom Cash℠ Card. As one of Citi's most valuable cards, it's intended for consumers who have good to excellent credit.
Is Citi custom cash card a credit card?Besides being an effective balance transfer card, the Citi Custom Cash doubles as a somewhat low-interest credit card thanks to its 17.74 percent to 27.74 percent variable ongoing APR. This interest rate is reasonable for a rewards card, with its low-end APR being slightly below the current average interest rate.
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Citi custom cash card minimum credit limit
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