The Citi Custom Cash is a personal credit card from Citi Custom Cash. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.24%-28.24% Variable APR after a 0% introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: $200 cash back. Rewards: Earn cash back. Cash back: $ cash back after qualifying purchases. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family.. Slot this for the category-based rewards while maintaining a 0% APR window. Citi Strata Card. BT Fee: 5% or $5 minimum (transfers within first 4 months). Post-intro APR: 18.24%–28.24% variable