Citi Custom Cash Walmart Your Guide to Smarter Shopping and Savings.

Welcome to the realm of savvy spending, where the Citi Custom Cash Walmart card reigns supreme. This isn’t just about swiping a piece of plastic; it’s about unlocking a treasure trove of rewards while you shop. Imagine transforming your everyday Walmart runs into opportunities for significant savings, all while navigating the aisles with a newfound sense of financial empowerment. This journey explores every facet of the Citi Custom Cash card, ensuring you’re equipped to make the most of its unique benefits, especially when you’re stocking up on essentials at Walmart.

From understanding the card’s core features to mastering the art of maximizing rewards, we’ll delve into the intricacies of earning 5% cash back on select purchases. We’ll uncover the secrets to navigating the reward structure, explore eligible purchase categories, and even help you dodge potential pitfalls. Get ready to discover how to seamlessly integrate this card into your Walmart shopping routine, transforming your spending habits and turning every trip into a chance to earn.

Table of Contents

Overview of Citi Custom Cash Card at Walmart

Let’s delve into the world of the Citi Custom Cash card and its relationship with Walmart, exploring its features, benefits, and potential downsides. This card is designed to reward your spending habits, and understanding its specifics can help you maximize its advantages, especially when shopping at your favorite retail giant.

Basic Features of the Citi Custom Cash Card

The Citi Custom Cash card is designed to give you rewards on your spending. It’s not just a generic rewards card; it’s got a specific focus.The card’s main feature is its ability to earn 5% cash back on purchases in your top spending category each billing cycle, up to the first $500 spent. After that, you’ll earn 1% back on all other purchases.

This flexible rewards structure makes it appealing to a wide range of consumers with different spending patterns. The card also offers an introductory 0% APR on balance transfers for a certain period, which can be a valuable tool for managing debt. The card has no annual fee, which makes it an accessible option for many.

How the Card Can Be Used at Walmart

Walmart is a versatile retailer, and the Citi Custom Cash card can be used for a wide variety of purchases there.You can use the card at Walmart stores, on Walmart.com, and through the Walmart app. This covers groceries, electronics, clothing, household goods, and more. This versatility makes it easy to earn rewards on everyday purchases. You can also use it to pay for services like Walmart+ memberships.

Benefits of Using the Citi Custom Cash Card for Walmart Purchases

Using the Citi Custom Cash card for your Walmart shopping can unlock some significant advantages. Here’s a breakdown of what you can expect:* Earning 5% Cash Back: If Walmart is your top spending category in a given month, you can earn 5% cash back on your first $500 spent. This is a substantial reward rate, providing a good return on your purchases.* Flexibility and Variety: Walmart offers a vast selection of products, making it easy to concentrate your spending and maximize the 5% cash back.* Potential for High Rewards: If you regularly spend close to $500 per month at Walmart, you can earn up to $25 in cash back each month from this single retailer.

Over a year, this can accumulate to $300 in rewards, which can be a significant saving.* No Annual Fee: Since there’s no annual fee, you won’t have to worry about offsetting that cost to make the rewards worthwhile.

Potential Drawbacks of Using the Card at Walmart

While the Citi Custom Cash card offers compelling benefits, it’s essential to consider its potential drawbacks when using it at Walmart.* Spending Cap: The 5% cash back is limited to the first $500 spent each billing cycle. Once you exceed this amount, you’ll only earn 1% back on all other purchases. If you’re a high spender at Walmart, this limit might restrict your rewards potential.* Category Limitations: You only earn 5% cash back in your top spending category.

If your spending habits shift, Walmart might not always be your top category, and you’ll miss out on the higher reward rate.* Interest Rates: If you carry a balance on the card, the interest rates can be high. It’s crucial to pay your balance in full each month to avoid interest charges and maximize your rewards.* Alternative Rewards: Consider whether other cards you own, or are considering, may offer a better return on specific purchases at Walmart.

Some cards provide flat-rate rewards on all purchases or higher rewards on certain categories. Compare the options to determine which card best fits your needs.

Earning Rewards with Citi Custom Cash at Walmart

The Citi Custom Cash card offers a compelling rewards structure, particularly for those who frequently shop at Walmart. Understanding how to maximize these rewards is key to unlocking the card’s full potential and enjoying significant cash back on your purchases. Let’s delve into the specifics of earning rewards at Walmart with this card.

Detailed Rewards Structure for Walmart Purchases

The Citi Custom Cash card provides a unique rewards system. The card offers 5% cash back on purchases in your top spending category each billing cycle, up to the first $500 spent in that category. After that, you earn 1% cash back. Walmart, thankfully, can be one of those top spending categories, and here’s how it works. The 5% cash back earned is automatically credited to your account and can be redeemed as a statement credit, a check, or a direct deposit.

Understanding the 5% Cash Back Category and Its Limitations

The cornerstone of the Citi Custom Cash card’s appeal is the 5% cash back bonus. However, it’s essential to understand the parameters. The 5% cash back applies only to your top spending category each billing cycle, which means that if you spend more in another category, like groceries or dining, that category will earn the 5% cash back, and Walmart would only earn 1% cash back.

There’s also a $500 spending cap within the top spending category. Once you exceed $500 in spending in your top category, you’ll earn 1% cash back on subsequent purchases in that category.

Examples of Eligible Walmart Purchases for Bonus Rewards

To maximize your rewards, it’s helpful to know which Walmart purchases typically qualify for the 5% cash back.Here are some examples of purchases that are generally eligible:* Groceries: This includes food, beverages, and household supplies purchased at Walmart stores or on Walmart.com.

Household Goods

Items such as cleaning supplies, paper products, and small appliances.

Clothing and Accessories

Purchases of apparel for all ages.

Electronics

Televisions, computers, and other electronic devices purchased at Walmart.

Health and Beauty Products

Over-the-counter medications, cosmetics, and personal care items.

Home Décor

Items like curtains, rugs, and decorative accessories.

Toys and Games

Purchases of toys, board games, and video games. Remember, it is essential to monitor your spending across all categories to ensure Walmart purchases remain your top spending category to qualify for the 5% cash back.

Purchases That Might Not Qualify for the 5% Cash Back

While the Citi Custom Cash card offers attractive rewards, certain purchases at Walmart may not qualify for the 5% cash back. Here are some examples:* Purchases made at Walmart gas stations.

Walmart Marketplace purchases from third-party sellers (it is advisable to double-check the purchase with the seller).
Cash advances or balance transfers.
Gift card purchases.
Services such as vision or pharmacy services (it’s recommended to check with Citi for confirmation).
Purchases made outside the U.S. (international transactions).

It’s always a good practice to review your card statement carefully to ensure you receive the correct rewards. If you have any doubts about a specific purchase, contact Citi customer service for clarification.

Maximizing Rewards at Walmart

Getting the most out of your Citi Custom Cash card at Walmart is like turning a simple shopping trip into a rewarding treasure hunt. With a little planning and smart spending, you can significantly boost your cashback earnings. This section is all about transforming your everyday purchases into opportunities to earn more.

Strategic Spending at Walmart

To truly unlock the card’s potential, you need to be strategic. The Citi Custom Cash card offers 5% cash back on your top spending category each billing cycle (up to $500 in spending, then 1% back). Walmart, being a versatile retailer, allows you to potentially maximize this benefit.

Identifying Your Top Spending Category: Walmart can be a major spending category for groceries, household goods, electronics, and more. Determine if Walmart consistently falls within your top spending area to ensure you’re maximizing the 5% cash back.
Timing Your Purchases: Consider the billing cycle dates of your Citi Custom Cash card. Strategically plan large purchases at Walmart to occur within the same billing cycle to benefit from the 5% cashback, provided Walmart is your top spending category.
Online vs. In-Store: Compare prices and promotions offered online at Walmart.com versus in-store. Online purchases often qualify for the 5% cashback, offering an added incentive. However, always ensure you’re choosing the best price, regardless of the cashback opportunity.
Utilizing Walmart Gift Cards: Purchase Walmart gift cards at the beginning of your billing cycle, if you anticipate significant spending at Walmart. This allows you to lock in the 5% cashback on the gift card purchase and then use the gift card for all your Walmart needs throughout the cycle.

Combining Rewards Programs and Promotions

Stacking rewards is the name of the game. Combining the Citi Custom Cash card with Walmart’s own programs can lead to even greater savings.

Walmart+ Membership: Walmart+ offers free shipping, fuel discounts, and other perks. If you frequently shop at Walmart, the membership can provide additional value, especially when combined with the 5% cashback from your Citi Custom Cash card.
Walmart’s Savings Catcher (Historically): While no longer available, this program, which compared prices with competitors, illustrated how you could potentially get price adjustments and further enhance your savings. Although this program is unavailable, Walmart continues to offer competitive pricing. Always compare prices.
Manufacturer Coupons: Always remember to use manufacturer coupons. Even if you are already getting 5% back, coupons add to your savings.
Walmart’s Rollbacks and Special Offers: Keep an eye out for rollbacks and special offers at Walmart. These discounts, combined with your cashback rewards, can result in significant savings.

Reward Scenario Comparison

Here’s a comparison table showcasing how different spending scenarios can affect your rewards:

Scenario	Monthly Spending at Walmart	Citi Custom Cash Rewards (5%)	Additional Rewards/Savings
Grocery Shopping	$200	$10	Potential savings from manufacturer coupons, sales, and in-store promotions.
Household Goods and Electronics	$400	$20	Savings from Walmart’s rollback offers and potential discounts from using Walmart+ for shipping or fuel.
Gift Card Purchase	$500	$25	Future savings from using the gift card on various Walmart purchases.
Combination of Categories	$600 (Assuming $500 in top spending category)	$25 (Maximum cashback)	Savings from various promotions across different departments, such as clothing or home goods, plus potential discounts from Walmart+.

Walmart Purchase Types and Citi Custom Cash

Navigating the world of rewards can feel like charting a course through a treasure-filled ocean. With the Citi Custom Cash card, Walmart becomes a particularly rewarding island, but understanding the terrain – the types of purchases that yield the most treasure – is key to maximizing your gains. Let’s delve into the specific purchase types at Walmart and how they interact with your Custom Cash card.

Beneficial Walmart Purchase Types

The Citi Custom Cash card shines brightest when you strategically focus your spending. Certain Walmart purchases unlock the full potential of that 5% cash back.

Groceries: This is a significant category, covering most of your weekly shopping. Everything from fresh produce to pantry staples qualifies.
Household Goods: Stocking up on cleaning supplies, paper products, and other home essentials? These purchases are often eligible for the 5% reward.
Clothing and Accessories: Whether you’re refreshing your wardrobe or buying for the family, apparel purchases generally qualify.
Electronics and Entertainment: Need a new TV, game console, or Blu-ray movies? These high-value items can earn you a substantial reward.

Walmart Services and Eligibility for 5% Rewards

Walmart offers a range of services beyond just selling products. Understanding which of these services are eligible for the 5% cash back is crucial.

Walmart Gas Stations: Purchases at Walmart gas stations are generally eligible for the 5% reward.
Walmart Pharmacy: Prescription and over-the-counter medications typically qualify.
Walmart Vision Center: Eye exams, glasses, and contact lenses often earn the 5% reward.
Walmart Auto Care Center: Services like oil changes and tire rotations are generally excluded.
Walmart Grocery Pickup & Delivery: Grocery pickup and delivery purchases, are usually eligible for the 5% reward, assuming they’re within the monthly spending limit for the 5% category.
Walmart Photo Center: Photo printing and related services may be eligible, but it’s advisable to check the specific terms.
Walmart Money Services: Bill payments, money orders, and other financial services are typically excluded.

Restrictions Affecting Walmart Purchase Rewards

While the Custom Cash card is generous, there are some guardrails to be aware of.

Spending Cap: Remember the $500 monthly spending limit for the 5% cash back category. Exceeding this limit means any further purchases within that month will earn only 1% cash back.
Third-Party Purchases: Purchases made through third-party sellers on Walmart.com might not always qualify for the 5% reward. Check the transaction details carefully.
Gift Cards: Purchasing gift cards, even for Walmart, might not always be eligible for the 5% reward. Some card issuers may consider these cash-like transactions.
Returns and Adjustments: Any returns or adjustments to your Walmart purchases will reduce the amount of rewards earned.

Online Versus In-Store Walmart Purchases

The digital age has changed the shopping landscape, and how you shop at Walmart can influence your reward earning.

In-Store Purchases: These purchases are straightforward. Swipe your Custom Cash card at checkout, and you’re typically good to go, provided the purchase falls within the eligible categories and spending limit.

Online Purchases: When shopping on Walmart.com, ensure you use your Custom Cash card directly. Using a third-party payment processor might affect your reward eligibility. Also, consider that online purchases may take a few days to reflect on your account, so keep an eye on your spending to avoid exceeding the $500 monthly limit.

For example, imagine you spend $400 on groceries in-store at the beginning of the month. Then, later that month, you buy a $150 item online. If your Custom Cash card is correctly used for both, you’ll receive 5% back on the groceries and 5% back on $100 of the online purchase, with the remaining $50 earning 1%.

Application and Approval for the Citi Custom Cash Card

Applying for the Citi Custom Cash card is a straightforward process, but understanding the steps involved and the factors that influence approval can significantly increase your chances of success. Let’s navigate the application process and explore the key considerations for securing this rewarding card.

Application Process Details

The application process for the Citi Custom Cash card is designed to be user-friendly, whether you apply online, by phone, or through the mail.Here’s a breakdown of the typical steps:

Online Application: This is the most common method. You’ll visit the Citi website and navigate to the Custom Cash card application page. You will be prompted to provide personal information such as your name, address, date of birth, Social Security number, and contact details. You’ll also need to provide financial information, including your annual income, employment status, and housing costs.

The application is usually completed within 10-15 minutes.
Phone Application: You can apply by calling Citi’s customer service number. A representative will guide you through the application, asking for the same information required for the online application. This method is helpful if you prefer speaking to a person or need assistance.
Mail Application: Citi may send you a pre-approved application form. You can fill it out and mail it back. This method typically takes longer to process than online or phone applications.

Credit Score Requirements for Approval

Your credit score is a crucial factor in the approval decision. Citi, like most credit card issuers, considers your creditworthiness when evaluating your application.Generally, the Citi Custom Cash card is targeted towards individuals with good to excellent credit.

Good Credit Score: Typically, a credit score of 670 or higher is considered good. Applicants with scores in this range have a reasonable chance of approval.
Excellent Credit Score: A credit score of 740 or higher is considered excellent. Applicants with excellent credit scores are highly likely to be approved and may qualify for the best interest rates and credit limits.

It’s important to remember that credit scores are just one piece of the puzzle. Other factors also play a role.

Factors Influencing Approval Decision

Citi assesses several factors to determine your eligibility for the Custom Cash card. Understanding these factors can help you improve your chances of approval.

Credit History: This includes your payment history, the length of your credit history, and the types of credit accounts you have. A positive credit history with a consistent record of on-time payments is crucial.
Credit Utilization Ratio: This is the amount of credit you’re using compared to your available credit. Keeping your credit utilization ratio low (ideally below 30%) demonstrates responsible credit management.
Income and Employment: Citi will consider your income and employment stability. A higher income and a stable employment history indicate your ability to repay the credit card debt.
Debt-to-Income Ratio (DTI): This compares your monthly debt payments to your gross monthly income. A lower DTI suggests you have more financial flexibility to manage credit card debt.
Other Credit Accounts: Citi may review your existing credit accounts, including the number of open accounts and your payment history on those accounts.

Common Reasons for Rejection and How to Avoid Them

Rejection from the Citi Custom Cash card can be disappointing, but understanding the common reasons for denial can help you improve your future applications.

Common Reasons for Rejection:

Low Credit Score: Your credit score doesn’t meet Citi’s minimum requirements.

Insufficient Income: Your income is deemed too low to manage the card responsibly.

High Debt-to-Income Ratio (DTI): You have too much debt compared to your income.

Negative Credit History: You have a history of late payments, defaults, or other negative marks on your credit report.

Too Many Recent Credit Applications: Applying for multiple credit cards in a short period can raise concerns.

How to Avoid Rejection:

Check Your Credit Score and Report: Review your credit report for errors and address any issues.

Improve Your Credit Score: Pay your bills on time, reduce your credit utilization, and avoid opening multiple credit accounts simultaneously.

Increase Your Income: If possible, increase your income to demonstrate your ability to repay debt.

Reduce Your Debt: Pay down existing debts to improve your DTI.

Space Out Credit Applications: Avoid applying for multiple credit cards at the same time.

Managing the Citi Custom Cash Card at Walmart

Keeping tabs on your Citi Custom Cash card usage at Walmart is key to maximizing your rewards and avoiding any financial hiccups. This section will walk you through the essential steps to manage your card effectively, from tracking your spending and rewards to redeeming those hard-earned benefits and ensuring responsible card usage. Let’s get started on making the most of your card!

Tracking Spending and Rewards, Citi custom cash walmart

Staying organized is a superpower when it comes to credit cards. Fortunately, Citi provides several convenient methods for tracking your spending and the rewards you’ve earned from your Walmart purchases.

Online Account: Your Citi account online is your central hub. Log in to view your transaction history, see how much you’ve spent at Walmart, and track the rewards you’ve accumulated. The website is user-friendly, and you can easily filter transactions by date, merchant (Walmart!), and spending category.
Mobile App: The Citi Mobile App offers the same functionality as the website, plus the added convenience of checking your account on the go. The app often provides real-time updates on your spending and reward balances, so you’re always in the know.
Monthly Statements: You’ll receive a monthly statement, either electronically or by mail, detailing all your transactions, including Walmart purchases. This statement clearly shows your spending, rewards earned, and any outstanding balance. It’s a good practice to review these statements regularly to catch any discrepancies or unauthorized charges.
Alerts and Notifications: Set up alerts to stay informed about your spending. You can customize these alerts to notify you when you reach a certain spending threshold, when a large purchase is made, or when your statement is ready. This proactive approach helps you manage your budget and spot any potential issues early.

Redeeming Rewards Earned Through Walmart Purchases

The best part of using the Citi Custom Cash card at Walmart? Redeeming those sweet rewards! The process is straightforward, and Citi offers flexibility in how you choose to use your rewards.

Cash Back: The primary reward is cash back, which can be redeemed in several ways. You can request a check, have the cash deposited directly into your bank account, or apply it as a statement credit to reduce your balance.
Redemption Options: To redeem your rewards, log in to your Citi account online or use the mobile app. Navigate to the rewards section, select your preferred redemption method, and follow the prompts. The process is generally quick and easy.
Minimum Redemption Amounts: Keep in mind that there might be a minimum redemption amount. Check the terms and conditions of your card for the specific requirements.
Expiration: Be aware of any expiration dates for your rewards. While Citi’s rewards programs often have generous expiration policies, it’s always wise to stay informed to avoid losing your hard-earned cash back.

Managing the Card Responsibly to Avoid Interest Charges and Fees

Responsible credit card management is crucial for avoiding interest charges and fees, and for maintaining a good credit score. Here’s how to do it right with your Citi Custom Cash card.

Pay Your Bill on Time: This is the golden rule. Paying your bill on time, every time, prevents late fees and protects your credit score. Set up automatic payments to ensure you never miss a due date.
Pay in Full: To avoid interest charges, aim to pay your balance in full each month. If you can’t pay the full balance, pay as much as possible to minimize interest accrual.
Understand Your Interest Rate (APR): Know your card’s Annual Percentage Rate (APR). The APR is the interest rate you’ll be charged on any outstanding balance if you don’t pay in full.
Monitor Your Credit Utilization: Credit utilization is the amount of credit you’re using compared to your total credit limit. Keep your credit utilization low (ideally below 30%) to maintain a good credit score.
Review Your Statements Regularly: Carefully review your monthly statements for any errors or unauthorized charges. Report any discrepancies to Citi immediately.
Avoid Cash Advances: Cash advances typically come with high interest rates and fees. Try to avoid using your card for cash advances.
Control Your Spending: Create a budget and stick to it. Knowing your spending limits helps you avoid overspending and accumulating debt.

Common FAQs Regarding Card Management

Here’s a quick rundown of common questions regarding the management of your Citi Custom Cash card, particularly as it relates to Walmart usage.

How do I check my available credit? You can check your available credit through the Citi online account, the mobile app, or by calling the customer service number on the back of your card.
What happens if I miss a payment? Missing a payment can result in late fees and potentially damage your credit score. Contact Citi immediately if you anticipate a problem.
Can I change my payment due date? Yes, you can often change your payment due date by contacting Citi customer service.
How do I report a lost or stolen card? Contact Citi immediately if your card is lost or stolen. You can find the customer service number on the back of your card.
How can I dispute a charge? You can dispute a charge by contacting Citi customer service. Provide details about the disputed transaction and any supporting documentation.
Are there any annual fees? The Citi Custom Cash card typically has no annual fee.
How do I update my contact information? You can update your contact information through your Citi online account, the mobile app, or by contacting customer service.

Comparison with Other Rewards Cards at Walmart: Citi Custom Cash Walmart

Navigating the world of rewards credit cards can feel like trying to find a specific brand of organic kale in a superstore—overwhelming, but ultimately rewarding when you find the right fit. Choosing the best card for your Walmart shopping hinges on understanding how your spending habits align with the card’s offerings. Let’s break down the competition to help you make an informed decision.

Competing Rewards Card Advantages and Disadvantages

When considering credit cards for Walmart, it’s crucial to evaluate their strengths and weaknesses. A side-by-side comparison reveals the nuances of each card, enabling you to select the one that best suits your financial lifestyle. The following table provides a comprehensive comparison of popular rewards cards used at Walmart.

Card Name	Rewards Structure	Advantages	Disadvantages
Citi Custom Cash Card	5% cash back on your top spending category each billing cycle (up to $500 spent), 1% on all other purchases.	High rewards rate in a category of your choice, including potential Walmart purchases. No annual fee. Flexible rewards redemption.	Rewards capped at $500 spending per billing cycle in the chosen category. Limited to one top category.
Capital One Quicksilver Cash Rewards Credit Card	1.5% cash back on all purchases.	Simple, flat-rate rewards on all purchases, including Walmart. No annual fee. Easy to understand.	Lower rewards rate compared to category-specific cards like Citi Custom Cash for purchases that fall within a bonus category.
Chase Freedom Flex	5% cash back on rotating quarterly categories (up to $1,500 spent per quarter), 1% on all other purchases.	High rewards potential in rotating categories, including some that might align with Walmart purchases. No annual fee.	Rewards limited to quarterly categories. Requires active tracking of bonus categories. Rewards capped at $1,500 spending per quarter.
Discover it® Cash Back	5% cash back on rotating quarterly categories (up to $1,500 spent per quarter), 1% on all other purchases.	Similar to Chase Freedom Flex, offering 5% cash back on rotating categories, including some Walmart purchases. No annual fee.	Rewards are limited to quarterly categories. Requires active tracking of bonus categories. Rewards capped at $1,500 spending per quarter.

Choosing the Right Rewards Card for Walmart Purchases

Deciding which rewards card to use at Walmart is a personalized process. Your spending patterns are the key. Consider these scenarios:

Scenario 1: Category Spending Domination: If a significant portion of your spending consistently falls within a specific category, like groceries (which can include some Walmart purchases), the Citi Custom Cash Card, if you choose groceries as your top spending category, could be the champion.
Scenario 2: Variable Spending: If your spending habits fluctuate, or if you make frequent, smaller purchases across various categories at Walmart, the Capital One Quicksilver Cash Rewards Credit Card offers simplicity with its flat-rate rewards.
Scenario 3: Strategic Category Chaser: For those who enjoy planning and are willing to adapt, the Chase Freedom Flex or Discover it® Cash Back cards, with their rotating categories, might yield high rewards if Walmart falls into a bonus category.
Scenario 4: Maximizing Reward Potential: Combining multiple cards can amplify your rewards. For instance, using the Citi Custom Cash Card for your top spending category and a flat-rate card for all other purchases could optimize rewards across the board.

Citi Custom Cash Card at Walmart: A Self-Checkout Scenario

Picture this: A shopper, let’s call her Sarah, approaches a self-checkout station at Walmart. She’s loaded up her cart with groceries, household supplies, and a few impulse buys. She pulls out her Citi Custom Cash card.
Imagine the scene:
Sarah stands confidently at the self-checkout kiosk. The bright screen displays the total, a reminder of the day’s essential and non-essential purchases.

Sarah inserts her Citi Custom Cash card into the card reader. As she does, a mental calculation begins:groceries are my top spending category this month, so this is a great use of the card*. The card reader whirs, confirming the transaction.
A visual representation of the transaction unfolds in the shopper’s mind: The Walmart logo is subtly visible on the card reader.

Sarah, in her late 20s, with a stylish yet practical tote bag, smiles as the transaction completes. The rewards—5% cash back—are instantly noted. The receipt prints, and Sarah knows that her shopping trip has just earned her valuable rewards, effortlessly maximizing her spending power. The self-checkout screen displays a cheerful message: “Transaction Complete. Thank you for shopping at Walmart!” The screen transitions to show a promotional offer, which Sarah quickly dismisses, ready to pack her purchases and head home, a satisfied smile on her face.

This scenario highlights the ease and effectiveness of using the Citi Custom Cash card for Walmart purchases, especially when your spending aligns with the card’s bonus category.