Citi Personalized Money Card
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The Citi Personalized money Card provides 5% right straight back in your top spending that is eligible without the necessity to trace quarterly bonus groups. This will make it a choice that is great making the most of your everyday investing without checking up on investing groups. Plus, there’s no yearly charge, and a 0% APR for acquisitions and balance transfers for 15 months.
If you’d like to utilize the Citi Personalized money Card’s 0% APR on purchases and transfers of balance for 15 months, ensure you have actually an idea to repay balances inside this schedule. Any staying debts after the intro period will accrue interest at 13.99per cent to 23.99per cent APR.
At a Glance
- $200 bonus that is welcome you may spend $750 within 3 months of account starting
- Earn 5% right right right back on as much as $500 invested in your eligible that is top category payment period, then 1% right right straight back. Groups consist of restaurants, gasoline stations, grocery stores, select travel, select transportation, select streaming services, drugstores, diy stores, fitne groups, and real time activity.
- Earn 1% right right right back on other acquisitions
- No fee that is annual
- 0% APR on acquisitions and transfers of balance for 15 months, followed closely by a adjustable apr of 13.99per cent payday loans Alaska to 23.99per cent
Solid welcome bonus for a no yearly fee card
Earn 5% back as much as limits without any enrollment needed
Introductory 0% APR for acquisitions and transfers of balance
5% straight back capped after $500 invested per billing cycle
Simply 1% cash back outside of 5% bonus category
No cardholder that is major
3% international deal fee
Additional Card Details
drawbacks for the Citi Personalized Card Card is the fact that, benefits plus the introductory APR offer, this card doesn’t provide any added perks. The sole additional advantages you’ll get from Citi are standard among any iuer that is major like the power to incorporate authorized users and chip and pin technology.
Should You Will Get the Citi Personalized Money Card?
Whereas credit cards that are most with 5% back need you to earnestly select your category each quarter or keep pace with a rotating schedule of bonus groups, the Citi Personalized money Card does things differently. You’ll immediately make 5% right back in the bonus that is eligible invested the absolute many ( from initial $500 invested per payment period). Eligible groups include:
If you’re interested in simpleness, that rewards structure can certainly get this card someone to start thinking about. There’s no need to enlist to make 5% straight back — it is automatically determined each cycle that is billing. Which makes making 5% cash back easier than with rotating 5% cards such as the Chase Freedom Flex? or Discover it .
The drawback that is biggest to the card’s rewards may be the investing cap. The 5% benefits price just relates to very first $500 for the reason that category every month, so earn that is you’ll $25 each month maximum, or $300 per year (excluding any extra money back you get during the 1% price). That investing limit nevertheless comes even close to other 5% cards, however. Chase Freedom Flex and Discover it Cash straight back both limitation 5% benefits to $1,500 in quarterly investing, which will be corresponding to about $500 monthly.
But in the event that you invest more than this quantity in virtually any for the qualified categories, you might have more value from a card with a lesser rewards price with no limit, such as the 2% flat cash return Citi Double money Card.
You may also give consideration to including this card being a complement to another cash back card already in your wallet. For example, you could utilize this card for investing in just a category you don’t earn rewards on somewhere else — medication shops or your fitness center membership — your other rewards card for investing outside that category.
Citi Personalized Cash Card’s introductory APR offer also helps it be a good choice if you’re considering purchase the rewards groups, want to combine high-interest financial obligation off their cards. 0% APR on purchases and for 15 months, followed by a adjustable apr of 13.99per cent to 23.99per cent. But, should your main aim is 0% interest, there are various other cards available with longer intro periods.