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The Citi Custom Cash Card Maximizes Your Cash Back Automatically



The Citi Customized Money℠ Card provides you plenty of energy with its flexibility. It gives 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 routinely 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 price range, with none intervention in your half.

On high of that, you can even 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 sturdy card to have in your pockets when mixed with the worth of the rewards program. Plus, it is low upkeep, with no annual charge or overseas transaction charges.

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

On this article

Intro ProvideEarn $200 in money again after you spend $750 on purchases within the first 3 months of account opening. This bonus supply can be fulfilled as 20,000 ThankYou® Factors, which could be redeemed for $200 money again.

APR15.49% – 25.49% (Variable)

Intro Buy APR0% for 15 months on purchases

Beneficial Credit score Wonderful, Good

Reward Charges

  • Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.
  • Earn limitless 1% money again on all different purchases.

Annual Price$0

Intro Stability Switch APR0% for 15 months on steadiness transfers

Stability Switch APR15.49% – 25.49% (Variable)

Stability Switch Price Stability switch charge applies with this supply 5% of every steadiness switch; $5 minimal.

Late Fee Price As much as $40

International Transaction Charges 3%

Penalty APR As much as 29.99% (Variable)

  • Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter.
  • Earn limitless 1% money again on all different purchases.

Money-back program

Providing 5% in your highest eligible spend class, on as much as $500 per billing cycle (then 1%), this card will routinely apply the rewards charge based mostly in your spending. So for those who spend probably the most cash on grocery stores in a single billing cycle, the 5% rewards can be utilized to these purchases. If you happen to spend extra on gas stations the subsequent billing cycle, the 5% rewards will then be utilized to these purchases. 

Eligible spending classes embody eating places, fuel stations, grocery shops, choose journey, choose transit, choose streaming services, drugstores, dwelling enchancment shops, health golf equipment and stay leisure. These are the most important spending classes for many Individuals, and 5% is without doubt one of the highest rewards charges available on the market. For all purchases that do not fall into your versatile spending class that month, you may earn 1%.

Different playing cards with rotating classes — just like the Chase Freedom Flex℠ and Discover it® Cash Back* — do not alter 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 could be redeemed for an announcement credit score, direct deposit, verify, reward card, journey or for purchases at checkout at Factors are sometimes price 1 cent every when redeemed by Citi’s rewards portal

Welcome bonus

For the welcome bonus, you may earn $200 money again for those who spend $750 throughout the first three months of account opening, which is an effective bonus-to-spend ratio, although not one of the best out there (fulfilled as 20,000 ThankYou factors, which could 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 occasions the spending requirement to earn the welcome bonus. All issues thought-about, this welcome bonus is fairly accessible.

If you happen to’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 may 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 gives a good way to finance a large purchase 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 likely to be higher off with a distinct card. Whereas most balance transfer cards cost a 3% charge, and a few even supply no balance transfer fees, the Citi Customized Money Card card fees a very excessive steadiness switch charge 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 Lively Money® Card

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

This card gives 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 also be aggressive with the Customized Money’s bonus. 

For extra particulars, see our full overview of the Wells Fargo Active Cash Card.

Blue Money Most popular® Card from American Specific

If you happen to’re trying to maximize money again on the frequent big-spending classes, like U.S. supermarkets, U.S. fuel stations and transit, the Blue Money Most popular® Card from American Specific may be capable to earn you much more rewards than the Citi Customized Money. Nevertheless, this card comes with a $95 annual charge.

Nonetheless, it could possibly be worthwhile. You earn a whopping 6% again on groceries at U.S. supermarkets on as much as $6,000 in purchases per yr, then 1%. This can in all probability cowl the vast majority of your grocery price range for the yr, if not all of it. You may additionally earn 6% money again on choose U.S. streaming subscriptions, 3% on transit, 3% on fuel at U.S. fuel 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 plenty of the identical floor that the Citi Customized Money can probably cowl — however concurrently.

For extra particulars, see our full overview of the Blue Cash Preferred Card.


How do cash-back bank cards work?

Money-back bank cards supply cardholders rewards on their spending within the type of assertion credit or money. A press release credit score is a discount within the quantity because of the bank card firm in your month-to-month invoice. Be aware that rewards aren’t at all times out there the month you earn them — they’re normally utilized to your steadiness by bank card issuers after one or two billing cycles.

The redemption course of for cash-back bank cards is both automated or quite simple. Some playing cards routinely apply money rewards to your assertion steadiness every month. Others require you to log in and redeem out there rewards factors for assertion credit. Most factors do not expire, however you’ll lose them for those who shut the account earlier than redeeming them. 

What sorts of cash-back bank cards are there?

Money-back bank cards typically fall into 4 major classes: flat-rate, tiered, rotating or select your individual. 

Flat-rate playing cards supply the identical charge for each buy. Tiered playing cards supply a distinct rewards charge for various classes of spending. Rotating class playing cards supply completely different rewards every quarter, decided by the cardboard issuer. Select-your-own class playing cards can help you select your rewards class.

How do you select a cash-back bank card?

To decide on one of the best cash-back bank card for you, a very powerful factor is to have a transparent thought of the way you’re already spending cash every month. When you establish the classes the place you could have the very best, most constant spending, use the charts in our record to find out which card will web you the very best return. Contemplate different options of the playing cards, too, resembling APR, sign-on bonuses and overseas transaction charges — ensure you get one thing that matches along with your life-style and spending habits.

Your bank card selection may additionally be affected by your credit score rating. Many of the playing cards we suggest require a very good or glorious credit score rating, which is often round 670 or larger. If you happen to do not meet the credit score standards required, there are bank cards out there which are particularly for these attempting to rebuild credit score, like secured credit cards. Alternatively, you may look into the best credit cards for no credit and the best credit cards for bad credit.

Our method

We overview the playing cards which are within the highest demand and supply one of the best advantages. We scour the superb print so there are not any surprises whenever you open an account. We discover the important thing elements that make a card stand out and evaluate 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 opinions are often checked and up to date to include new suggestions, in addition to to replicate adjustments in gives 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.

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