Key takeaways
- At 5 % money again in your high spending class (as much as $500 every billing cycle, then 1 %), the Citi Customized Money® Card* presents high money again as a rotating class card.
- The cardboard has a number of high-value advantages, together with a strong welcome bonus, an introductory APR on purchases and stability transfers and entry to World Elite Mastercard advantages.
- To maximise the worth of the Citi Customized Money Card, plan your spending accordingly to match up with the cardboard’s out there classes. It’s also possible to pair it with one other Citi bank card to pool rewards and switch them to Citi lodge and airline companions.
Citi is an promoting companion.
The Citi Customized Money® Card presents excellent money again as a bonus class card, with 5 % money again rewards in your high spending class (on as much as $500 every billing cycle, then 1 %). This rewards construction supplies a superb technique to earn rewards the place you spend essentially the most — with out a lot added effort.
And since it has no annual payment, it’s straightforward to reap the advantages of this card and use it in an total money again bank card technique. Right here’s what you could know concerning the Citi Customized Money Card advantages and how one can maximize them for strong money again rewards.
Citi Customized Money Card rewards advantages
The Citi Customized Money is price it to many cardholders merely due to its profitable rewards construction, which we break down beneath:
5% money again rewards
With the Citi Customized Money Card, you’ll obtain a beneficiant 5 % money again fee for the primary $500 spent (then 1 % again) in your high spending class every billing cycle. The ten classes that qualify for this 5 % fee embody:
- Fuel stations
- Eating places
- Grocery shops
- Reside leisure
- Choose streaming companies
- Choose journey
- Choose transit
- Residence enchancment shops
- Health golf equipment
- Drugstores
The Citi Customized Money additionally earns 4 % money again on resorts, automobile leases and points of interest booked by the Citi Journey portal till June 30, 2026.
Redemption choices
Regardless of the Citi Customized Money being marketed as a money again card, you’ll technically earn your rewards as Citi ThankYou factors, which could be redeemed for:
Whereas the Customized Money does earn ThankYou factors, they’re thought-about “primary” ThankYou factors. For essentially the most half, they will’t be transferred to Citi lodge and airline companions. In the event you pool your factors right into a extra premium Citi card account, such because the Citi Strata Premier℠ Card, you’ll acquire that privilege.
Welcome bonus provide
One other Citi Customized Money profit new cardholders can reap the benefits of is the sign-up bonus. In the event you spend $1,500 within the first six months of opening the cardboard, you’ll earn a bonus of 20,000 ThankYou factors price $200 in money again rewards.
Meaning you simply must spend $250 a month for six months — a comparatively low threshold, particularly if you happen to plan on hitting that $500-per-month rewards cap every billing cycle.
Extra Citi Customized Money Card advantages
The Citi Customized Money Card may not have as many perks and advantages as a rewards bank card with an annual payment, however it might nonetheless present cardholders with a whole lot of worth. Listed here are some further advantages to bear in mind:
0% introductory APR provide
One other nice good thing about the Citi Customized Money is the flexibility to keep away from excessive rates of interest for a set interval. The cardboard presents a 0 % introductory APR on purchases and stability transfers for the primary 15 months, adopted by 18.24% – 28.24% (Variable).
This zero-interest provide is a good way to repay current debt or cowl a big buy over time. Whereas it’s not the longest intro APR interval available on the market, it’s nonetheless a strong provide due to the cardboard’s beneficiant rewards and lack of an annual payment.
Mastercard advantages
What’s additionally notable concerning the Citi Customized Money is that it’s a World Elite Mastercard, providing you with entry to a large number of Mastercard bank card advantages. Listed here are a number of of the very best perks supplied by this Mastercard tier:
- World Elite Concierge entry
- Free ShopRunner membership
- Rental automobile reductions and perks
- Lowest Resort Price Assure and Mastercard Resort Keep Assure
- $5 Lyft credit score per thirty days if you happen to take at the least three rides per thirty days
FICO rating entry without spending a dime
With the Citi Customized Money, you may view your FICO credit score rating anytime. The rating will probably be up to date on a month-to-month foundation. Merely log in to your on-line account or test through Citi’s cellular app. You’ll additionally discover further info on what elements are impacting your rating.
Citi Leisure
As a cardholder, you’ll get entry to Citi Leisure. By way of this program, you may obtain unique entry to live shows, excursions, sporting occasions, eating experiences and extra, in addition to presale tickets and VIP packages.
$0 fraud legal responsibility and fraud monitoring
If a fraudster will get entry to your bank card or account, you gained’t be held accountable for any unauthorized prices. Additional, Citi’s Fraud Early Warning service displays your account and can notify you of fraudulent exercise.
Maximizing the Citi Customized Money Card
It’s vital to know the best way to get essentially the most out of the Citi Customized Money Card. Listed here are two methods to maximise the worth of this money again card so you may profit as a lot as potential as a brand new cardholder.
Pair the Citi Customized Money with one other Citi bank card
The Citi Customized Money is a superb card to complement different Citi playing cards in your pockets resulting from its lack of an annual payment, capability to earn ThankYou factors and easy incomes construction.
If you have already got a rotating bonus class card, the Citi Customized Money generally is a good possibility for all different spending — and also you gained’t pay an extra annual payment to maintain it in your pockets.
When it comes to pooling factors, having a extra premium Citi card, such because the Citi Strata Premier — which earns, transferrable Citi ThankYou factors — will help you pool rewards and switch them to Citi lodge and airline companions, probably for heightened worth.
Money again tip
It’s also possible to pair the Citi Customized Money Card with nearly some other money again card that earns excessive charges in your high spending classes. For instance, the Citi Customized Money can cowl your grocery spending whilst you use one other card for high money again charges on gasoline or eating.
Plan your spending from one month to the subsequent
You possibly can maximize Citi Customized Money Card advantages by planning your purchases to coincide with a selected class every billing cycle. Attempt to guide all your journey in a single month, pay on your gymnasium memberships in full the subsequent month and so forth. Moreover, ensure you hit at the least $1,500 in spending in the course of the first six months to attain the first-year welcome bonus.
The underside line
The Citi Customized Money Card presents a powerful rewards fee that’s routinely tailor-made to your highest spending, together with further advantages like an introductory APR provide and entry to Citi Leisure — all for no annual payment. Maximizing the Citi Customized Money begins with spending sufficient to earn its welcome bonus throughout the first six months of card possession. From there, be sure you use the cardboard strategically to max out your 5 % money again class.
In the event you’re nonetheless undecided whether or not the Citi Customized Money is best for you, think about testing different money again bank cards to see if another choice suits your spending habits. Those that have their hearts set on a Citi card may take a look at Bankrate’s checklist of at the moment’s finest Citi bank cards.
*The details about the Citi Customized Money® Card has been collected independently by Bankrate.com. The cardboard particulars haven’t been reviewed or authorized by the cardboard issuer.
