CitiCustom CashRegistry illustration · issuer artwork unavailable

Custom CashCiti · N bank, CA · FDIC 7213

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer

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Purchase APR

reported cohort medians 17.49%–27.49%

great to good

Balance transfer

0% introductory · reported median duration 9 mo

no ongoing rate filed

Cash advance APR

—

Annual fee

—

Foreign fee

of the amount

Grace period

0 days

p.5from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 17.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 27.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfersintroductory rate first	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	0 days from the close of each billing cycleCitibank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“no grace period”Citibank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 5
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
Repeat late fee within six billing cycles	$41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment Fee	$41, Up to $41 for each returned paymentConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Citibank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Daily Balance”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Citibank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Note: Balance Transfers and Flex Plans are made available at our discretion.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Citibank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.50.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Citibank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month. If you do not pay your monthly Citi Flex Plan Payment plus your entire balance, excluding any Citi Flex Plan balances, by the due date…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Citibank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Variable APRs are calculated based on the Prime Rate plus the additional amount shown in the Details About Your Interest Rates table. However, these APRs will not exceed 29.99%. This means if a calculated APR exceeds 29.99%, then that APR will be 29.99%. If the calculated APR is equal to or below 29.99%, then that APR will be that calculated amount.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Citibank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month. If you do not pay your monthly Citi Flex Plan Payment plus your entire balance, excluding any Citi Flex Plan balances, by the due date…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Citibank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“no grace period”
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Citibank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citibank-n-a:citi-custom-cash
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citibank-n-a:citi-custom-cash
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citibank-n-a:citi-custom-cash
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citibank-n-a:citi-custom-cash
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citibank-n-a:citi-custom-cash
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citibank-n-a:citi-custom-cash
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citibank-n-a:citi-custom-cash
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citibank-n-a:citi-custom-cash
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:citibank-n-a:citi-custom-cash
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer terms, Card terms
Dec 31, 2025: Balance transfer APR, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Citi
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 7213
Branches: 955 in CA, CT, DC, DE, FL, IL, MD, NJ, NV, NY, PR, SD, TX, VA
Sources: Government dataset · 2 documents · 0 pages cited

Documents

Citi Custom Cash Cardmember Agreementeffective date not parsed
Citi Custom Cash Pricing and Information Tableeffective date not parsed

Custom CashCiti · N bank, CA · FDIC 7213

Rates and fees