Citi Customized Money Card overview
The Citi Customized Money® Card is a strong cash-back card with no annual charge. This card differentiates itself from different choices available on the market by offering the distinctive capacity to earn as much as 5% again in your high spending class every billing cycle as much as the primary $500 spent, then 1% again after that. Whether or not you are a bank card beginner or need a card that can show you how to maximize purchases that do not match into different conventional bonus classes, you may wish to take into account including this card to your pockets. Card ranking*: ⭐⭐⭐⭐
* Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Citi Customized Money Card has no annual charge however takes a distinct method from the issuer’s widespread Citi Double Money® Card (with as much as a 2% cash-back charge on all purchases, 1% while you purchase and 1% as you pay, see charges and charges).
With this card, you may earn 5% money again on purchases in your high eligible spending class every billing cycle, as much as the primary $500 spent.
We usually suggest that candidates have a credit score rating of 670 or increased to extend their probabilities of approval. Let’s evaluate this card and see who it’s best for.
The data for the Citi Customized Money Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Citi Customized Money professionals and cons
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Citi Customized Money welcome provide
The Citi Customized Money Card comes with an simply attainable welcome provide — earn $200 money again, after spending $1,500 on purchases within the first six months of account opening. This bonus provide will likely be fulfilled as 20,000 factors, which may be redeemed for $200 money again.
This provide is similar to different no-annual-fee, cash-back playing cards. Whereas it is actually not probably the most excellent provide, the sign-up bonus is a pleasant little incentive to use.
That is the normal provide seen on the cardboard and has been for a while now.
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Citi Customized Money advantages
The Citi Customized Money is mild on advantages, which is not shocking since there is not any annual charge.
Nevertheless, there are a number of perks and important safety features:
Incomes money again on the Citi Customized Money
Every billing cycle (roughly each month or so), you may earn 5% money again on the primary $500 of purchases in your high spending class from the next record:
*Choose transit is outlined as automotive leases, ferries, commuter railways, subways, taxis/limousines/automotive providers, passenger railways, bridge and street tolls, parking heaps/garages, bus traces, and motor house and leisure automobile leases. Additionally contains retailers that promote electrical energy for charging an electrical automobile. Excludes bike/scooter leases, auto golf equipment and insurance coverage corporations.
**Choose journey is outlined as airways, inns, cruise traces and journey businesses.
***Choose streaming providers are outlined as cable, satellite tv for pc and streaming suppliers reminiscent of Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, FuboTV, Max, NBA League Go, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Crimson, YouTube TV, and Tidal.).
This card really caters to your life-style, whether or not you are jet-setting one month or cooking it up within the kitchen the subsequent. When you max out the $500 spending restrict every billing cycle, you may earn $25 in cash-back rewards per thirty days — for a possible most of $300 in rewards yearly.
There isn’t any have to preselect your high spending class every month — this card will routinely select that class.
For all different classes, you may earn 1% limitless money again. You may additionally earn an extra 4% money again on inns, automotive leases, and points of interest booked on the Citi Journey℠ portal by June 30, 2026.
One TPG reader likes to make use of the Citi Customized Money to earn extra cash-back rewards as a result of the cardboard “covers spend classes I do not get on different playing cards.” (through a TPG e-newsletter survey)
Notice: Reader-submitted responses haven’t been edited, reviewed or authorised by the issuers nor mirror TPG’s opinions of those playing cards.
The Citi Customized Money is a strong choice to get probably the most out of your most frequent spending class, even when it is usually troublesome to earn elevated rewards in that class on most different playing cards.
Redeeming money again on the Citi Customized Money
To place it in easy phrases, 1 ThankYou level equates to 1 cent of money again rewards. Which means you may earn 5% again (or 5 factors per greenback) on the primary $500 spent in your high eligible spending class.
There is not any minimal stability that you must attain earlier than accessing your rewards — which is not the case for a lot of cash-back playing cards. You possibly can request a press release credit score or direct deposit at any time. Nevertheless, when you’re requesting a verify, there’s a minimal reward stability of $5 (or 500 factors).
When you’re including the Citi Customized Money on high of your Citi Strata Premier℠ Card (see charges and charges) or Citi Status® Card, you can too unlock the choice to transform your factors into miles with Citi’s lodge and airline switch companions to extract doubtlessly higher worth from them.
The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Which playing cards compete with the Citi Customized Money Card?
There are a lot of choices available on the market for individuals who wish to keep away from paying an annual charge altogether.
- If you need easier rewards: Strive the Citi Double Money® Card (see charges and charges). This card is superb for rookies since you may earn 1% while you purchase and 1% while you repay your invoice (for a complete of two% money again on all of your purchases). Plus, you may benefit from the uncapped incomes potential on the Double Money in case your spending exceeds the $500 restrict on the Customized Money. For extra data, learn our full evaluate of the Double Money.
- If you need rotating rewards: Go for the Chase Freedom Flex®. This card additionally has no annual charge, and you may earn 5% again on as much as $1,500 in purchases on rotating bonus classes every quarter you activate — which breaks right down to roughly $500 in spending every month. Chase will set the bonus classes every quarter, however prior to now, we have seen frequent distributors reminiscent of Amazon, house enchancment shops and fuel stations included in these rotating classes. For extra data, learn our full evaluate of the Freedom Flex.
- When you choose Capital One: The Capital One Enterprise Rewards Credit score Card affords 5 miles per greenback spent on inns, trip leases and rental automobiles booked by Capital One Journey and a pair of miles per greenback spent on all purchases and comes with a $95 annual charge. Better of all, you may switch miles to Capital One’s 15-plus airline and lodge companions for higher rewards. For extra data, learn our full evaluate of the Enterprise Rewards.
For added choices, take a look at our full record of the most effective cash-back playing cards.
Associated: How I am maximizing the Freedom Flex’s rotating classes within the last quarter of 2024
Is the Citi Customized Money price it?
In case your spending habits change ceaselessly, spending quite a bit on one class one month and a distinct class the subsequent, then Citi Customized Money is an effective selection for you. It has customizable rewards that match your spending patterns.
One of the best half is that the method is automated, that means you solely must spend cash in a particular class to earn ample money again. Nevertheless, if you’d like a card with many further advantages, you may have to look elsewhere.
Backside line
The Citi Customized Money Card is a terrific selection for a cash-back card, as you may acquire true flexibility to earn rewards relying in your spending habits. Including the Customized Money may additionally be a good suggestion for current Citi cardholders looking for to maximise their rewards by the Citi ThankYou program.
Associated: The entire information to Citi ThankYou Rewards: Tips on how to earn, redeem and switch factors
