Cash-back card
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 8 reviews mentioning poor support Show all
Reddit · r/CreditCards · Jul 29, 2025
NegativeSummary of a Reddit comment
They called Citi to combine ThankYou points from their Custom Cash with a Strata card and were told the system would not allow it, though they had combined them the previous year; the online option was gone too.
Reddit · r/CreditCards · Jun 1, 2026
NegativeSummary of a Reddit post
Before the physical card shipped, the app showed a message to call right away because card use may be limited, but the phone line asked for a card number they did not have yet.
Reddit · r/CreditCards · Apr 22, 2026
NegativeSummary of a Reddit post
Product-changed unit fails to code Panera as dining or Home Depot as home improvement, and an hour on the phone with overseas support dropped without fixing the missing 5x points.
Reddit · r/CreditCards · Jul 9, 2026
NegativeSummary of a Reddit comment
They called Citi trying to product change a Strata Premier into a Custom Cash and were told conversions were discontinued, then sent to another team that claimed it does not do conversions; they found the reps poor.
Reddit · r/CreditCards · Jul 8, 2026
NegativeSummary of a Reddit post
Now being charged interest on purchases despite expecting a 0% intro APR, and support says the account does not have the promotion; no email or welcome packet was kept.
Reddit · r/CreditCards · Apr 16, 2026
NegativeSummary of a Reddit comment
They stopped using the card because they were fed up with Citi customer support, and applied for a Wells Fargo 2% flat-rate card instead.
Reddit · r/CreditCards · Feb 23, 2026
NegativeSummary of a Reddit comment
They let their single Custom Cash close from inactivity, and say a bad experience with Citi's fraud department means they will not go back to the issuer.
Reddit · r/CreditCards · Feb 13, 2026
NegativeSummary of a Reddit comment
They found their Custom Cash came with a very small credit line that Citi refuses to raise, and payments post slower than on their other Citi card, so they cannot use it for recurring bills like a gym.
Of the 267 reviews with a clear verdict, 68% are positive, 18% mixed and 14% negative. The praise mentioned most is great rewards. The most common complaint is poor support.
The praise reviewers mention most: great rewards (55 reviews), easy to use (52 reviews) and helpful support (5 reviews). For example: Runs three copies, one dedicated to gas and two to restaurants, and says it is nice to have 5% back in both everyday categories.
The complaints reviewers mention most: poor support (10 reviews), account frozen (2 reviews) and buggy app (1 review). For example: They stopped using the card because they were fed up with Citi customer support, and applied for a Wells Fargo 2% flat-rate card instead.
It's how well reviewed Citi Custom Cash is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Cash-back card. Type: Cash-back credit card.
#1 in Best-Reviewed Cash-Back Credit Cards 2026, ranked by real customer reviews.
267 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.