Is the Citi Custom Cash Card a credit card?

Citi Custom Cash℠ Card is a Mastercard, not a Visa. You can use your Citi Custom Cash Card at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including … read full answerextensive worldwide acceptance. As a result, it’s more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.

The Citi Custom Cash Card’s starting credit limit is $500. This amount is guaranteed for anyone approved for the card. But yours can be more, depending on your credit score, income, and payment history.

Fortunately, starting credit limits aren’t permanent. After at least six months of opening your account, you can ask for a credit limit increase. And the issuer will also periodically review your account to see if you’re eligible for a higher limit.… read full answer

For better odds of being granted a higher credit limit, always pay your bills on time, stay well below your credit limit, and try improving your credit score and income.

The easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit but has a $0 annual fee. It also helps build credit history with monthly reporting to all three major credit bureaus… read full answer (TransUnion, Equifax and Experian).

More info regarding Citi credit cards score requirement

Aside from the Citi Secured, nearly all other Citi credit cards require good credit or better (a credit score of 700+) for good odds of approval. Some of these cards include the Citi Double Cash Card or the Citi Premier® Card.

However, there are a number of store cards that also make it among the easiest Citi cards to get. Citi store cards require at least fair credit (a credit score of 640+) for approval. But purchases are limited to the affiliated merchant or its website. The Best Buy® Store Card and the Shell Gas Card, for instance, are among the many store cards that also have a full-fledged co-branded version on either the Visa or Shell Credit Card network, which can be used anywhere the network is accepted. Those cards aren’t as easy to get as the store versions, as they require at least good credit.

Here are some of the easiest Citi cards to get:

The Citi Secured is open to applicants with limited credit (less than 3 years of credit history). It has a $0 annual fee.

The Best Buy Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee. Earns 2.5 points per $1 spent on Best Buy purchases.

To get the Shell Gas Card, you need fair credit or better (a credit score of 640+). It has a $0 annual fee. Offers savings: 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2023, after that 10¢ per gallon (up to 20 gallons) every time you fill up, 10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).

The Sears Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee.

The easiest Citi cards to get come with limitations. They offer low minimum credit limits, high interest rates and few rewards and benefits. And with the Citi store cards, beware of deferred interest promotions. Deferred interest means that there’s 0% interest as long as the balance gets paid in full by the end of the promotion. If it’s not paid in full, Citibank charges interest on the original purchase amount from the date of purchase, at the card’s regular APR.

It may also be beneficial to look outside of Citibank to some of the easiest cards to get from other issuers. Aside from lenient approval requirements, some of these also offer rewards and have annual fees as low as $0. And they report to the three major credit bureaus. So, if you use them responsibly, you'll be able to build or rebuild your credit and have future access to some of the best Citi credit cards, or other excellent options from different issuers.