The Citi Customized Money℠ Card offers you lots of energy with its flexibility. It presents a rotating cash-back class that adjusts to your spending in any given month. Most bank cards with a flex class dictate the phrases every rotation, however the Citi Customized Money robotically applies a 5% cash-back charge in your highest eligible spending class every billing cycle (as much as the primary $500 spent, then 1%). The cardboard self-customizes to your funds, with none intervention in your half.

On high of that, you too can gather an honest welcome bonus and revel in an introductory APR on purchases and steadiness transfers. Whereas it isn’t one of the best in its class for the welcome bonus or intro APR, it is a robust card to have in your pockets when mixed with the worth of the rewards program. Plus, it is low upkeep, with no annual price or overseas transaction charges.

We’ll break down the acquisition classes which can be eligible for the upper money again charge, clarify different options of this card and likewise provide suggestions for supplementary playing cards.

On this article

• Money-back program
• ​Welcome bonus​
• Intro APR​
• Different playing cards to contemplate​
• FAQs​
• Our strategy to bank card analysis​

Money-back program

Providing 5% in your highest eligible spend class, on as much as $500 per billing cycle (then 1%), this card will robotically apply the rewards charge based mostly in your spending. So should you spend essentially the most cash on grocery shops in a single billing cycle, the 5% rewards will probably be utilized to these purchases. In case you spend extra on gasoline stations the following billing cycle, the 5% rewards will then be utilized to these purchases. 

Eligible spending classes embody eating places, gasoline stations, grocery shops, choose journey, choose transit, choose streaming companies, drugstores, house enchancment shops, health golf equipment and stay leisure. These are the most important spending classes for many Individuals, and 5% is among the highest rewards charges in the marketplace. For all purchases that do not fall into your versatile spending class that month, you will earn 1%.

Different playing cards with rotating classes — just like the Chase Freedom Flex℠ and Uncover it® Money Again* — do not modify in response to your spending habits, however set the spending class for particular months or durations.

Citi Customized Money rewards are earned within the type of ThankYou factors. ThankYou factors may be redeemed for an announcement credit score, direct deposit, examine, present card, journey or for purchases at checkout at Amazon.com. Factors are sometimes value 1 cent every when redeemed via Citi’s rewards portal Thankyou.com.

Welcome bonus

For the welcome bonus, you will earn $200 money again should you spend $750 inside the first three months of account opening, which is an efficient bonus-to-spend ratio, although not one of the best out there (fulfilled as 20,000 ThankYou factors, which may be redeemed for $200 money again). Some playing cards allow you to earn nominally extra, nevertheless it’s not unusual to see welcome bonuses with 4 instances the spending requirement to earn the welcome bonus. All issues thought of, this welcome bonus is fairly accessible.

In case you’re primarily attempting to maximise your welcome bonus earnings, take a look at our web page for one of the best bank card welcome bonuses.

Intro APR

With the Citi Customized Money, you will get 15 months of 0% introductory APR on purchases and steadiness transfers (15.49% to 25.49% variable APR, thereafter). Whereas not the longest promotional interval out there, it presents a good way to finance a big buy whereas incomes money again.

In the case of steadiness transfers — which have to be accomplished inside 4 months of account opening to qualify for the intro APR — you is perhaps higher off with a distinct card. Whereas most steadiness switch playing cards cost a 3% price, and a few even provide no steadiness switch charges, the Citi Customized Money Card card fees a very excessive steadiness switch price at 5% (or a $5 minimal). Thus, it is best used for the introductory APR on purchases and the rewards program.

Different playing cards to contemplate

Wells Fargo Energetic Money® Card

The Wells Fargo Energetic Money® Card does not provide as excessive of rewards charges because the Customized Money’s versatile spending class, nevertheless it does provide the identical simplicity with one of many highest flat-rates on money rewards in the marketplace. You may earn 2% money rewards on purchases — no considering required. 

This card presents a 0% introductory APR on purchases and qualifying steadiness transfers for 15 months from account opening (16.49%, 21.49%, or 26.49% variable APR thereafter). The welcome bonus can be aggressive with the Customized Money’s bonus. 

For extra particulars, see our full assessment of the Wells Fargo Energetic Money Card.

Blue Money Most well-liked® Card from American Specific

In case you’re seeking to maximize money again on the frequent big-spending classes, like U.S. supermarkets, U.S. gasoline stations and transit, the Blue Money Most well-liked® Card from American Specific may be capable of earn you much more rewards than the Citi Customized Money. Nevertheless, this card comes with a $95 annual price.

Nonetheless, it may very well be worthwhile. You earn a whopping 6% again on groceries at U.S. supermarkets on as much as $6,000 in purchases per 12 months, then 1%. This can most likely cowl nearly all of your grocery funds for the 12 months, if not all of it. You may additionally earn 6% money again on choose U.S. streaming subscriptions, 3% on transit, 3% on gasoline at U.S. gasoline stations, and 1% on different purchases. Money again is earned within the type of Reward {Dollars} that may be redeemed as an announcement credit score. This covers lots of the identical floor that the Citi Customized Money can doubtlessly cowl — however concurrently.

For extra particulars, see our full assessment of the Blue Money Most well-liked Card.

FAQs

Our strategy

We assessment the playing cards which can be within the highest demand and provide one of the best advantages. We scour the effective print so there are no surprises once you open an account. We discover the important thing elements that make a card stand out and examine them with different high playing cards. That means, readers can go for a distinct card with related options if our choose is not proper for them. Our evaluations are frequently checked and up to date to include new suggestions, in addition to to mirror modifications in presents and the market.

*All details about the Uncover it® Money Again has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content material on this web page is predicated solely on goal, impartial assessments by our writers and isn’t influenced by promoting or partnerships. It has not been supplied or commissioned by any third get together. Nevertheless, we could obtain compensation once you click on on hyperlinks to services or products provided by our companions.

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