Citi Customized Money Card overview
The Citi Customized Money® Card is a stable cash-back card with no annual payment. This card differentiates itself from different choices in the marketplace by offering the distinctive skill to earn as much as 5% again in your prime 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 need to contemplate 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 payment however takes a unique strategy from the issuer’s standard Citi Double Money® Card (with as much as a 2% cash-back price on all purchases, 1% if you purchase and 1% as you pay, see charges and charges).
With this card, you may earn 5% money again on purchases in your prime eligible spending class every billing cycle, as much as the primary $500 spent.
We usually advocate that candidates have a credit score rating of 670 or greater to extend their possibilities 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 supplied by the cardboard issuer.
Citi Customized Money professionals and cons
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Citi Customized Money welcome supply
The Citi Customized Money Card comes with an simply attainable welcome supply — earn $200 money again, after spending $1,500 on purchases within the first six months of account opening. This bonus supply might be fulfilled as 20,000 factors, which will be redeemed for $200 money again.
This supply is similar to different no-annual-fee, cash-back playing cards. Whereas it is definitely not probably the most excellent supply, the sign-up bonus is a pleasant little incentive to use.
That is the standard supply seen on the cardboard and has been for a while now.
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Citi Customized Money advantages
The Citi Customized Money is gentle on advantages, which is not stunning since there is not any annual payment.
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 prime spending class from the next listing:
*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 strains, and motor residence and leisure automobile leases. Additionally consists of 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, motels, cruise strains and journey businesses.
***Choose streaming providers are outlined as cable, satellite tv for pc and streaming suppliers equivalent to 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 Purple, 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. For those who 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 is no such thing as a have to preselect your prime spending class every month — this card will robotically select that class.
For all different classes, you may earn 1% limitless money again. You will additionally earn an extra 4% money again on motels, automotive leases, and sights booked on the Citi Journey℠ portal by way of 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 publication survey)
Be aware: Reader-submitted responses haven’t been edited, reviewed or authorized by the issuers nor mirror TPG’s opinions of those playing cards.
The Citi Customized Money is a stable choice to get probably the most out of your most frequent spending class, even when it is usually tough 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 prime eligible spending class.
There is not any minimal steadiness you should attain earlier than accessing your rewards — which is not the case for a lot of cash-back playing cards. You possibly can request an announcement credit score or direct deposit at any time. Nevertheless, should you’re requesting a examine, there’s a minimal reward steadiness of $5 (or 500 factors).
For those who’re including the Citi Customized Money on prime 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 resort and airline switch companions to extract probably larger 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 supplied by the cardboard issuer.
Which playing cards compete with the Citi Customized Money Card?
There are lots of choices in the marketplace for many who need to keep away from paying an annual payment altogether.
- If you would like easier rewards: Strive the Citi Double Money® Card (see charges and charges). This card is great for newcomers since you may earn 1% if you purchase and 1% if 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 would like rotating rewards: Go for the Chase Freedom Flex®. This card additionally has no annual payment, 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 previously, we have seen widespread distributors equivalent to Amazon, residence enchancment shops and fuel stations included in these rotating classes. For extra data, learn our full evaluate of the Freedom Flex.
- For those who desire Capital One: The Capital One Enterprise Rewards Credit score Card gives 5 miles per greenback spent on motels, trip leases and rental vehicles booked by way of Capital One Journey and a couple of miles per greenback spent on all purchases and comes with a $95 annual payment. Better of all, you may switch miles to Capital One’s 15-plus airline and resort companions for larger rewards. For extra data, learn our full evaluate of the Enterprise Rewards.
For extra choices, try our full listing of one of the best cash-back playing cards.
Associated: How I am maximizing the Freedom Flex’s rotating classes within the ultimate quarter of 2024
Is the Citi Customized Money value it?
In case your spending habits change often, spending rather a lot on one class one month and a unique class the subsequent, then Citi Customized Money is an efficient selection for you. It has customizable rewards that match your spending patterns.
The very best half is that the method is automated, which means you solely should spend cash in a particular class to earn ample money again. Nevertheless, if you need 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 achieve true flexibility to earn rewards relying in your spending habits. Including the Customized Money can also be a good suggestion for current Citi cardholders in search of to maximise their rewards by way of the Citi ThankYou program.
Associated: The entire information to Citi ThankYou Rewards: Tips on how to earn, redeem and switch factors
