What benefits does the Citi Custom Cash card actually include?

Most Citi Custom Cash benefits activate automatically when you pay for purchases using your card or ThankYou Points. No pre-registration required. For Purchase Protection, pay at least partially with your Citi Card and keep your original receipt. For Extended Warranty, you need the original purchase receipt and any manufacturer warranty documentation. If you need to file a claim, call 1-866-918-4670, Monday through Sunday, 8 a.m. to 12 a.m. ET, or visit mybenefits.cardbenefitclaims.com as soon as possible after the incident.

Coverage extends to the primary cardholder and any Authorized Users on the account. Both are covered for Purchase Protection and Extended Warranty on eligible purchases made using the Citi Card or ThankYou Points. There is no coverage for purchases made by other household members unless they hold Authorized User status. If you add a family member as an Authorized User, their eligible purchases fall under the same benefit terms, subject to the same conditions and exclusions.

The Citi Custom Cash does not include rental car coverage. There is no CDW (collision damage waiver), no liability coverage, and no roadside assistance in the card's Guide to Benefits. If you rent a car and damage occurs, all repair and replacement costs are your responsibility. For rental car protection, use a separate card that includes primary CDW, or purchase the rental agency's collision waiver at the counter. This card is built for cashback, not rental car protection.

Call 1-866-918-4670, Monday through Sunday, 8 a.m. to 12 a.m. ET, as soon as possible after the incident. You can also submit claims at mybenefits.cardbenefitclaims.com. Have your original purchase receipt, card statement showing the charge, and a description of what happened. For Extended Warranty claims, also gather the manufacturer's warranty documentation and a repair estimate. All required documents must be returned within 180 days of the incident. File the day the incident happens. Do not wait.

This card provides no travel insurance of any kind: no trip cancellation, no emergency medical, no evacuation, no trip delay, and no baggage coverage. There is also no rental car protection. For Purchase Protection and Extended Warranty, items explicitly excluded include: vehicles, boats, aircraft, jewelry, watches, currency, gift cards, all event tickets (concerts, airlines, sports), items purchased for resale, and anything subject to normal wear and tear or product defect. Acts of God (flood, hurricane, earthquake) and items left in the care of a third party (delivery services, airlines) are also excluded.

Yes. The Citi Custom Cash offers no emergency medical coverage abroad. There is no benefit for hospital fees, doctor visits, or emergency evacuation when traveling outside the United States. Medicare covers zero dollars for care abroad. A serious ER visit in Japan or Europe routinely runs $15,000 to $80,000. If you travel internationally with this card as your only coverage, every medical cost is fully out of pocket. A standalone travel insurance policy or a dedicated travel credit card with medical benefits would address this gap entirely.

No. The Citi Custom Cash does not include cell phone protection. Theft, accidental drops, and screen damage to your phone are not covered through this card's benefit guide. Replacing a flagship smartphone out of pocket costs $800 to $1,300. Screen repair alone typically runs $150 to $500. If you want cell phone coverage on a no-annual-fee card, some Mastercard and Visa cards include this benefit when you pay your monthly phone bill with them. The Custom Cash is not one of them.

No. The Citi Custom Cash provides no travel protection. It does not cover trip cancellation, emergency medical, evacuation, delays, lost bags, or rental car damage. The card's strengths are its 5% cashback structure and purchase protection for everyday shopping, not travel. For any trip with non-refundable bookings, use a dedicated travel card or purchase a separate travel insurance policy. A single medical emergency abroad can cost tens of thousands of dollars with no coverage available through this card.

Yes. The Citi Custom Cash includes Damage and Theft Purchase Protection for eligible purchases made with the card or ThankYou Points. Coverage applies within 90 days of purchase or delivery, whichever comes first. The benefit reimburses up to $1,000 per incident, with a $50,000 annual limit per account. Coverage is secondary, meaning your homeowner's or renter's insurance pays first, and this card covers the remainder including any deductible. Key exclusions: vehicles, jewelry, tickets of any kind, consumables, and items purchased for resale.

Yes. The Citi Custom Cash extends the manufacturer's warranty by 24 months on eligible purchases made at least in part with your card or ThankYou Points. If your item comes with a 12-month factory warranty, the card extends total protection to 36 months. Coverage caps at $10,000 per item, with a maximum of 7 years total from the purchase date. Claims go through Virginia Surety Company. Call 1-866-918-4670 or visit mybenefits.cardbenefitclaims.com within 180 days of the covered failure. Keep your original receipt and manufacturer warranty documentation.