Citi Custom Cash Card Credit limit

What Is the Citi Custom Cash Card?

The Citi Custom Cash Card is Citi’s cash back credit card that rewards you with up to 5% cash back on purchases in your top eligible spend category each billing cycle.

How It Works

This card automatically identifies your highest eligible spend category each month and gives you 5% cash back on up to the first $500 in purchases made in that category. All other purchases earn 1% cash back. The 5% and 1% rates are pretty competitive, especially if your top spend area each month is in a bonus category.

Some examples of common 5% cash back categories are:

Restaurants
Gas Stations
Grocery Stores

Once the new billing cycle starts, the 5% category will change based on your spending habits from the previous month. The good news is you don’t have to activate the bonus categories or pick them yourself. Citi does the work for you!

Redeeming Your Cash Back

The cash back you earn with the Citi Custom Cash Card can be redeemed for statement credits, gift cards, or direct deposits into a bank account. Statement credits and bank deposits will give you the most value at 1 cent per point. Gift cards are also available at 1 cent per point for most retailers.

Additional Benefits

In addition to the cash back rates, the Citi Custom Cash Card comes with other benefits like:

$0 annual fee: You pay no annual fee to use this card.
Citi Entertainment: Get special access to purchase tickets to concerts, sporting events, dining experiences and more.
Citi Private Pass: Enjoy exclusive entertainment experiences and ticket offers.

The Citi Custom Cash Card can be a great addition to your wallet if you want a customizable cash back card with competitive rates and useful benefits. The flexibility of the 5% category changing based on your top spend each month is a unique feature that can really maximize your rewards.

What Is the Credit Limit on the Citi Custom Cash Card?

As the name implies, the Citi Custom Cash card provides flexible cash back rewards that you can customize to your spending habits. But another important feature for any credit card is the credit limit, which determines how much you can charge to the card. The Citi Custom Cash card offers credit limits ranging from $500 up to $30,000 or more for those with excellent credit.

Your individual credit limit will depend on your credit score, income, and credit history. Applicants with scores of at least 670 (good credit) and a stable income tend to qualify for higher limits. If approved, Citi will determine your initial credit limit based on these factors. The good news is, Citi allows you to request a higher limit after using your card responsibly for 6-12 months.

To request an increase, you have a few options:

1. Call Citi customer service. Let them know you’ve been a customer for at least 6-12 months with no late payments. Ask if you qualify for an automatic increase based on your good standing and increased credit needs. Citi may be able to raise your limit by 25-50% on the spot.

2. Apply for an increase on Citi’s website. Log in to your account and look for the option to request a credit limit increase. You’ll need to provide information like your income to verify your ability to repay a higher balance. Citi will review your request and may increase your limit within a week.

3. Wait for an automatic increase. If you continue using your Citi Custom Cash card responsibly by keeping a low balance relative to your limit and paying on time each month, Citi may automatically increase your credit limit over time without you having to request it. However, an automatic increase may take 6-18 months and there is no guarantee of the amount.

Conclusion

Requesting and receiving a higher credit limit on your Citi Custom Cash card can help build your credit by lowering your credit utilization ratio. It also gives you more flexibility with the card so you can earn more cash back on larger purchases. The key is using the card responsibly over time to prove you deserve an increase.

Frequently Asked Questions About the Citi Custom Cash Card Credit Limit

1. How much credit will I get when I open a Citi Custom Cash Card account?

When you open a Citi Custom Cash Card, Citi will determine your initial credit limit based on your credit score and credit report. The typical credit limit for a new cardholder with good credit is $5,000 to $10,000. Citi may start you with a lower limit if you have little or no credit history. Don’t worry, Citi will review your account after 6-12 months of responsible use and may increase your limit.

2. Can I increase my Citi Custom Cash Card credit limit?

After 6-12 months of paying on time and keeping low balances on your card, you can request a higher credit limit from Citi. They will review your payment history and credit utilization to determine if you qualify for an increase. The higher your credit score and the lower your balances are relative to your limit, the better your chances of approval. Citi may increase your limit by $1,000 to $5,000 at a time.

3. Will my credit limit increase automatically?

Citi may automatically increase your Citi Custom Cash Card credit limit over time based on your responsible use of the card, like paying on time, low credit utilization, and a good payment history. However, there is no set schedule for automatic increases and Citi may choose not to increase your limit. It’s best to request a higher limit directly from Citi after 6-12 months of use to ensure you get an increase.

4. the maximum credit limit for the Citi Custom Cash Card?

The maximum credit limit Citi will extend for the Citi Custom Cash Card is $35,000. However, most cardholders will not qualify for the maximum limit, especially when first opening the account. Your initial limit will depend on your personal credit profile and credit score. With responsible use over time, Citi may continue to increase your limit up to the maximum based on your payment history and credit score improvement. But there’s no guarantee you’ll reach $35,000.

5. How can I lower my Citi Custom Cash Card credit limit?

If your credit limit is too high for your needs or you want to lower your utilization ratio, you can request Citi to decrease your Citi Custom Cash Card credit limit. Call the customer service number on the back of your card and speak to a representative. Let them know you want to lower your limit and by how much. Citi will review your account and credit report to determine if lowering your limit is appropriate based on your balance and payment history. A decrease in limit could temporarily lower your credit score.

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