Citi Customized Money Credit score Card Evaluate (Discontinued)

physixfan
2026-05-29
2026-05-29

2026.5 Replace: This card is now discontinued. Current card members can get pleasure from the advantages as earlier than. No one is aware of but if/when they are going to do an automated conversion to a different card.

2022.1 Replace: The 30k hyperlink is expired. The present supply is 20k.

2021.11 Replace: There’s a 30k direct hyperlink now (it appears to be a hyperlink from CreditKarma, and we now have no relationship with them).

Software Hyperlink

Advantages

20k supply: earn 20,000 ThankYou Factors after spending $1,500 in first 3 months. The latest finest supply is 30k.
We estimate that ThankYou Factors (TYP) are value about 1.6 cents/level, see under for a quick introduction. So the 30k highest sign-up bonus is value about $480.
Earn 5x TYP on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent; 1x TYP thereafter. Additionally, earn limitless 1x TYP on all different purchases.
5x eligible classes: Eating places, gasoline stations, grocery shops, choose journey, choose transit, choose streaming companies, drugstores, house enchancment shops, health golf equipment, reside leisure.
No annual charge.

Disadvantages

It has international transaction charge, so it isn’t a sensible choice exterior the US.
The higher restrict for 5x return ($500 in spending) is sort of low.
You’ll be able to solely have one Citi Customized Money card.

Introduction to TYP

You’ll be able to earn TYP with Citi Strata Elite, Citi Strata Premier, Citi Strata, Citi Customized Money, Citi Double Money, and so on.
You’ll be able to add all these playing cards into the identical thankyou.com account, and factors which can be about to run out shall be redeemed first within the order during which they expire mechanically.
Typically, TYP by no means expire. However closing account, product change, or receiving factors from different folks could trigger TYP on that account to run out.
If in case you have Citi Strata Premier or Citi Strata Elite or Citi Status (Discontinued), TYP may be transferred to some airline miles. The easiest way to make use of TYP is to 1:1 switch them to American Airways miles (Oneworld) or EVA Air (BR) miles (Star Alliance). Different good choices are: Cathay Pacific (CX) miles (Oneworld), Avianca (AV) miles (Star Alliance), Singapore Airways (SQ) miles (Star Alliance), Flying Blue miles (SkyTeam), Virgin Atlantic (VS) miles (Non-alliance), and so on. If you happen to use TYP on this manner, the worth is about 1.6 cents/level.
You’ll be able to redeem your TYP at a set charge 1 cent/level in the direction of money.
If in case you have Citi Status (Discontinued), you may redeem your TYP at a set charge 1.25 cents/level in the direction of air tickets on thankyou.com. It is a widespread manner to make use of TYP. Factors+money is out there when redeeming for air tickets, so no want to fret in case you don’t have sufficient TYP.
~~If in case you have Citi Rewards+ (Discontinued), you may get 10% again when redeeming TYP, as much as 100k TYP per 12 months. This function additional boosts the worth of TYP.~~ [Expired]
In abstract, we estimate that TYP are value about 1.6 cents/level.
For extra details about TYP, see Maximize the Credit score Card Factors Values (overview), and Introduction to TYP: How one can Earn & Introduction to TYP: How one can Use (very detailed).

Really useful Software Time

Bonus will not be accessible in case you acquired one for opening a brand new Citi Customized Money^℠ Card account up to now 48 months.
[8/65 Rule] You’ll be able to apply for at most 1 Citi playing cards each 8 days, and at most 2 Citi playing cards each 65 days, regardless of accepted or not.
Citi values the variety of latest laborious pulls so much, we advocate you apply when there’s lower than 6 laborious pulls up to now 6 months.
This is among the best Citi card to get, however we nonetheless advocate you apply for this card after you have got a credit score historical past of no less than half a 12 months.

Abstract

This card is fascinating, you may earn 5x TYP on high spending class mechanically, as much as $500 in spending monthly. This card is a competitor of 5% cashback playing cards equivalent to Chase Free Flex and Uncover it. It’s a sensible choice for the classes which you don’t have 5% cashback card for. The 5x classes should be within the checklist of eligible classes, which is a limitation. The higher restrict is sort of low, however $500 monthly is definitely much like the trade normal $1,500 per quarter. This card is an effective card to have for Citi TYP factors system, and it doesn’t have an effect on the bonus eligibility for Citi Premier and Citi Status. Subsequently, in abstract, this card may be very really useful in case you are within the Citi TYP factors system!

If in case you have different Citi playing cards that you simply now not use, you may contemplate changing it to this card.