April 13, 2024

One of many greatest complications of utilizing a number of rewards bank cards is remembering which bank card to make use of for what buy. Every card has totally different bonus classes, some requiring you to activate them a number of occasions per 12 months.

The Citi Customized Money℠ Card addresses this drawback with its automated bonus class monitoring. Citi displays your month-to-month spending and supplies a 5% bonus (as much as $500 in spending per 30 days) for the class you employ probably the most. No want to recollect which retailers to make use of or activate bonus classes. It’s all automated.

Citi Customized Money® Card

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TIME’s Take

The Citi Customized Money takes the work out of getting money again. It affords one of many highest money again charges for a no-annual-fee bank card. It’s additionally one of many easiest rewards bank cards to make use of, as its bonus classes adapt to your spending. The cardboard additionally comes with a powerful intro APR provide.

Professionals & cons


  • Enticing welcome bonus
  • As much as 5% money again for on a regular basis spending
  • No annual charge


  • Bonus classes are capped
  • Low incomes charge for non-bonused spending
  • International transaction charges

Who’s the cardboard for?

The Citi Customized Money is right for these with sporadic spending habits. In case your main spending classes change month-to-month (say, from dwelling enchancment to stay leisure to journey to grocery shops), Citi Customized Money can establish the eligible class for which you’ve spent probably the most every billing cycle and robotically bonus it. You don’t must activate or hold monitor of something.

Moreover, the playing cards intro_apr_rate,intro_apr_duration intro APR on purchases and steadiness transfers makes it an excellent selection when you anticipate making a big buy that you simply received’t be capable to repay instantly (for instance, an out-of-pocket medical expense or a car restore). Alternatively, when you’ve received high-interest debt accruing on different bank cards, the Citi Customized Money may function an interest-free shelter for 15 months.

Lastly, this card may very well be a wonderful technique to get free journey. With a easy trick, you may convert the rewards you earn with this card into airline miles and resort factors.


$200 welcome bonus

The Citi Customized Money comes with a $200 money bonus after you spend $1,500 on purchases throughout the first six months from account opening. The money you earn is fulfilled as Citi ThankYou factors (extra on that later).

This can be a beneficiant welcome provide for a no-annual-fee bank card—and although the minimal spending requirement could seem fairly excessive, you’ve received six months to achieve it. The truth is, you’ll obtain the bonus by spending simply $250 per 30 days.

Bonus classes that conform to your spending habits

The Citi Customized Money is exclusive as a result of it displays your spending and pays the best money again charge to the class you’ve spent probably the most on every month. You’ll obtain 5% again on as much as $500 every month (then 1%) for one of many following classes:

  • Drugstores.
  • Fuel stations.
  • Grocery shops.
  • Health golf equipment.
  • Dwelling enchancment shops.
  • Reside leisure.
  • Eating places.
  • Choose streaming companies.
  • Choose transit.
  • Choose journey.

You’ll additionally earn 1% again for every part else. For instance, when you spent $200 at gasoline stations, $700 at grocery shops, and $600 at eating places, you’d earn:

  • $2 in your gasoline station purchases (1% again)
  • $27 in your grocery retailer purchases (5% again on as much as $500, then 1% again)
  • $6 in your restaurant purchases (1% again)

In case your spending habits change the next month, the Citi Customized Money will acknowledge it and robotically assign the 5% bonus to the best spending class that month.

Intro APR provide

The Citi Customized Money affords a intro_apr_rate,intro_apr_duration intro APR on purchases and steadiness transfers (then reg_apr,reg_apr_type). That is useful when you’ve received an enormous buy that you simply don’t assume you’ll be capable to repay within the close to future—or when you’ve already received bank card debt for which you’re paying month-to-month curiosity charges. Relying on the dimensions of your balances, a 15-month respite on curiosity fees may translate into 1000’s of {dollars} in financial savings.

The tremendous print

Rates of interest

The Citi Customized Money fees a variable buy APR of reg_apr,reg_apr_type primarily based in your creditworthiness. Until you’re on the low finish of that vary, the APR is excessive, even for a bank card. In fact, it isn’t a priority when you pay your steadiness in full every month.

You’ll additionally pay a money advance APR of cash_advance_apr. Be aware that money advances start to accrue curiosity instantly after they’re initiated.

Different charges

The Citi Customized Money doesn’t cost an annual charge. Nevertheless, different customary bank card charges apply:

  • Steadiness switch charges: balance_transfer_fees
  • Money advance charges: cash_advance_fee
  • International transaction charges: foreign_transaction_fee of purchases processed exterior the U.S.
  • Penalty APR: As much as reg_apr,reg_apr_type when your cost is late or returned.
  • Penalty charges: late_payment_fee for late/returned funds.

Extra perks

Flip money again into journey rewards

As beforehand talked about, the Citi Customized Money Card earns Citi ThankYou factors—not money again. Nevertheless, you may convert your factors to money again at a charge of 1 cent per level, and redeem it as an announcement credit score, direct deposit, or examine.

However right here’s the kicker: Citi ThankYou factors bank cards that cost an annual charge, such because the Citi Premier® Card or the Citi Status® Card (not out there to new candidates), can help you switch the rewards you earn with the Citi Customized Money to 18 totally different journey loyalty packages. This implies you may convert your factors into airline miles and resort factors free of charge journey, doubtlessly getting a worth larger than 1 cent per level.

For instance, you may switch 20,000 factors to Avianca for a one-way coach flight between the U.S. and Europe on United Airways. Or, you may switch 19,500 factors to Singapore Airways for a free coach flight from the Continental U.S. to Hawaii on United Airways.

Citi Leisure

Most Citi bank cards, together with the Citi Customized Money, provide entry to Citi Leisure. This platform means that you can ebook presale tickets to widespread concert events, sporting occasions, culinary experiences, and extra. Citi Leisure may imply the distinction between getting tickets and lacking out.

Right here’s what may very well be improved

The Citi Customized Money Card has a wonderful money again provide of 5% in your prime month-to-month spending class.

Nevertheless, the cardboard’s 5% bonus applies to a most of $500 in eligible spending every billing cycle. After that, you’ll earn simply 1% again on all purchases. With many different no-annual-fee bank cards providing between 1.5% and a pair of% again on all purchases, a 1% return is just not nice. It requires prospects to make use of a second card with a greater customary money again charge for all non-bonused spending.

To make the Citi Customized Money extra interesting, Citi may both elevate the month-to-month bonus cap or improve the bottom incomes charge of the cardboard to not less than 1.5%.

Card alternate options

19.74% to 29.74% Variable

Backside line

The Citi Customized Money does the arduous work, so that you don’t must. You’ll be able to spend as you usually would with out protecting monitor of bonus classes as a result of the cardboard will hold monitor of the class you employ probably the most.

Citi Customized Money® Card

Credit score rating


Steadily requested questions (FAQs)

Is the Citi Customized Money Card arduous to get?

The Citi Customized Money is just not troublesome to qualify for. So long as you’ve received a good credit score rating (we advocate mid-600s), you’ve received a shot at being authorized.

Is Citi Customized Money a newbie card?

The Citi Customized Money isn’t a real “newbie” bank card, as you could have a good credit score rating to be authorized. These simply beginning their credit score journey could have higher luck being authorized for a pay as you go or secured bank card.

Does Citi Customized Money give excessive credit score limits?

The scale of your credit score line will rely in your creditworthiness. These with a less-than-perfect credit score rating could get only a $500 credit score restrict, whereas others could obtain $10,000.

What’s the minimal earnings requirement for Citi Customized Money?

Citi doesn’t point out a particular minimal earnings threshold for approval. As an alternative, it examines your debt-to-income ratio and decides when you’ve got the power to service the utmost cost every month.