BEST Citi Credit Cards 2023 - Which Citibank credit card is #1? Custom Cash? Premier? Double Cash?
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- เผยแพร่เมื่อ 5 ต.ค. 2022
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Citi Visa card
Do not apply
They are scammer
Won’t pay your reward
do you know if reward+ 10% still applies to all point redemptions?
I like the Premier CC. Thanks for the info + video!
My newest card is the Custom Cash. I got it a few months ago to fill in whatever holes are not covered by the CFF or Disco in that quarter. No complaints so far.
Great job! Straight to the point!
Excellent info Thanks!
Thanks for making this video, I love Citi Cards I have their trifecta. Just downgraded my American Airlines card to a Citi Double Cash.
Great review!
I think it’s a valuable thing that you talked about cards that you do not recommend, and why. Not so many people that I can think of are doing that. I do see “worst credit card lists” but there’s little discussion of “meh” cards and why there are better alternatives.
The custom cash is a must have card if anyone plans on having multiple cards. Great content as always, thanks Adam!!!
I have had cards in the past with a balance transfer 0% offer, but no offer on current purchases. Since I had gotten those cards strictly to help me pay down my balance, I put no new purchases on them until I was done with the balance transfer. It was just easier to keep track of what was going on that way and not pay any interest. Which reminds me, now that we are in the 4th quarter, I have to take one of those cards out of the sock drawer and spend something on it so it doesn't get closed down.
Just opened a double cash today. It has a nice bonus !
You know, I keep underestimating the Rewards+ card, maybe I should pick it up and try out the entire ThankYou system for travel once I pick up the Premier. But the Custom Cash/Double Cash combo is super solid for Team Cashback at the moment.
I just opened a checking and savings with citi and once I’m there about 6 months I plan on getting these credit cards definitely.
It took me 12 months to graduate my Citi secured and they doubled my 500 to 1,000. 2 months later I applied for their Custom Cash and was given a 5,400 limit. I carried a 1-2 percent utilization during that 12 months and payed it off every month.
That’s pretty good! Always good build a relationship w/ a bank
Great, sounds like you had a good experience. Thanks for the details.
Did you do a product change, or just applied for a totally new card?
@@if-not-now Citi sent me a letter in the mail after 12 months about my $500 secured card stating it would be changed to Diamond Preferred and limit raise to $1,000. My original $500 deposit was returned via check. The Custom Cash card was a new card application 14 months after first getting the secured card.
Very well played
I kept getting emails from Citi to convert to this card from my Diamond Preferred. Since I already paid off the BT I made with the DP I went ahead and pulled the trigger and converted. I don't have a balance on it and I'm gardening so I didn't want to apply for anything. The Diamond Preferred became a sock drawer card after I paid off the BT. I can use the Citi Rewards for the small purchases my kids make instead of using the Apple Card.
The $500 one sounds good. Helping to keep you on a budget also.
I recently got the Premier mainly for the signup bonus but I played around with their travel portal and I definitely feel like it needs work. It was slow, the results weren't consistent, and the user interface just wasn't very intuitive. I read that they're revamping their travel portal so this may change soon, but for now I feel like it needs work. The 3% earnings with no cap on useful everyday categories like gas and groceries make it a keeper especially if you can use the hotel credit to make up for the annual fee, but I really hope that Citi updates the travel portal. Also, it would be nice if they made the credit easier to use.
The citi simplicity balance transfer fee is 3%. You are correct, however, that the balance transfer fee for the diamond preferred is 5%.
For me the Double Cash makes the most sense for daily spending
I have the Custom Cash. I am trying to decide if it is worth getting the Premier to transfer to partners or just take the cash back from the Custom Cash (currently being used for Gas).
without a doubt the best citi card is the prestige... I was fortunate enough to have gotten it while it was still available
Do you know if the "10% points back" count when you're redeeming for cash back on the Citi Rewards+?
I might argue and say double cash or citi rewards are better than custom cash tho I cancelled my double cash after 2 years and when I got my custom cash card. Reason being is a flat 2 percent card is better than a 1 percent card. Yeah you get 5 percent in one category each month, but if you were to have only one card, getting 2 percent in every category would end up making more money.
This is random but the way say card is mad funny 😭 love the videos tho
lol it kinda erks me whenever i hear him say "card" like hearing screaching noise on a chalkboard but i have to watch bc his vids are that good
Just got my intro bonus for 80K points on the premier!🎉
Thanks
as for the Secured card it took me 10 months to graduate, haven’t received my new card yet it said a few weeks
I am thinking about closing my Sears Mastercard. As of right now I am looking between Citi Rewards+, Double Cash and Quicksilver. Can someone tell me the differences between them. Any help would be appreciated, Thanks
Rewards+ for the boost and as many CC as possible!!! LMAO
I have the custom cash. Turned out to be a disappointment for me, bc it turns out nothing I live by counts as a “grocery store” 😂
Lately they have had issues with paying out some of their own bonuses. Know some personally too that it affected.
I applied on Friday for the Custom cash card and it stayed a pending status but waited until today Tuesday and no new update from Citi and then I google the application line to call and when I got finally so I called in told the representative that my application it’s says a pending and she double verify my personal information and put me in wait status two times and the in the last moment when she came back she told that congratulations you were approved for the Citibank credit card with a limit of $8,600 and with a APR 26.99% and they pull my Equifax report and in the time of the inquiry I had a score of 702 so I got very excited 😂 and emotionally also because more than 10 to 15 years that I don’t have a Citi credit card. Very lovely!!!
Same happened to me with wells fargo
See a therapist
Would you say you have high income? Or just average or moderate? Also, how does that 8600 CL you got compare with the starting limits you get from most of your other cards? I'm considering applying for Custom cash also, so I'm just wondering what kind of CL I can expect.
Congrats 💐 I was just approved for $6,500.00 Double Cash Card Im excited
Loving the new CFF & CFF refresher ? Talk to me~~
older video, but i think you kinda missed the true value of the rewards+. the 10% rebate on redemptions is its best value and makes it probably the 2nd best card. Whatever card you put on top, I would argue the next card you should always get it is the no annual fee rewards+. even if all you get is the DC and Rewards+ you get 2.2% on all spending!
How does the rewards+ do that?
This is a little off topic but as I look on my chase account they said I am approved for a 5000 dollar credit line with their chase sapphire preferred but due to my work I don’t travel very much as I work on the water. I was wondering if I applied for the freedom flex if I’d get a bigger credit line since it is an easier card to get
@@shawn7603 do you know if Chase gives you a hard inquiry when you request a credit limit increase?
People do underestimate the potential of the Citi Rewards +. For any purchase under $5.00, it is superior to a 2% card. At the self checkout, there is no rule against ringing up one item separately. Ring up a $1.00 item each time to earn 10%, which to some may not be worth the trouble. But even without intentional spending, the < $5.00 rule is easy to remember. The 10% bonus makes this play well with other Citi Cards. It's a niche card for those who really love maxing their rewards on all purchases.
Noice. Coffee and donut spending :)
So use it for gas, super market and anything under 5? And then over use the 2 percent or higher is what you're saying?
I was so hoping to watch that video next but it never popped up, whatever shall I do....
I LIKE THINGS SIMPLE. I KNEW CITI DOUBLE CASH MEANT $200 EVERY $10,000 SPENT BUT NOW THAT IT'S POINTS I DON'T KNOW IF IT'S THE SAME VALUE.
It is the same, the points just give you options to redeem in other ways if you choose to.
Double cash is the best one. No doubt.
I have had my citi custom cash less than a year. The bonus was $200 for spending $750 in 3 months. A lot easier. I might be done with bonus cards though. US Bank+ with utilities and internet my rotating cards...etc Almost everything is 5% to 10% cash back
Would you say they were generous with the starting credit limit they gave you, compared to other cards you've gotten? How about with credit limit increases?
@@KP99 Just got it so no CL.... initial CL is low but don't need it. My lowest is US Bank Cash+ it hurts credit utilization if I don't pay off before the end of the month. US Bank CL $500 but the combo is pretty powerful. 3 often used 5% categories. Groceries utilities internet
I am surprised that you didn’t even mention the Prestige card. This was the flagship card before they gutted all the benefits and stopped accepting new applications. They just left the playground and Capital One surprisingly filled the void with the Venture X.
I only wanted to talk about cards someone could actually apply for today.
Perhaps you might want to include a “ bonus “ section in your videos. This would give you an opportunity to mention cards that are no longer available to the general public but still are worth mentioning. The Citi Prestige and Ritz Carlton are 2 cards that come to mind. Chase will still let you product change to the hotel card but alas the Prestige is almost extinct.
They gave me an offer to upgrade my rewards plus to the premier but I don think they’ll be giving me the bonus. It’s been more than 2 years since I got the rewards plus. Should I just apply or let them upgrade me?
Premier has annual fee you might not want to pay if you are not getting the bonus.
That’s $500 a month correct ?
Can a person combine the credit lines of multiple Citi card to eliminate having so many cards, without losing available credit. Other question, is it harder to get cards or personal loans if you are Retired?
You can call them to transfer your credit limits to one card and then cancel the lower limit cards. Would recommend moving limit to the oldest card though.
Citi does not allow that. But they are happy to close your low limit account 🤦♂️
Why is it no mention of the Citibank Dividend card?
Cause its no longer available and you cant product change into it
Citi been sending me pre-selected offers but I have 16 inquiries and I know they are sensitive to inquiries
They sent me some too, I had similar amount of inquiries. I opened 3 new cards in the last couple months. I applied and got approved, 5k limit, Experian score was 732. I was a little disappointed in the limit because I have multiple card with 10k + limits
@@ericroberts3138 my Experian is 724 now.
what about the Citi Dividend Card
No longer available to new customers. wanted to focus here on cards you can apply for.
Adam - which CITI card u use the most ?
Citi visa are not good, they scam you
@@ummu8585 I need CITI custom cash MC, need grocery card
I think double cash should be #1 since it has no requirements. For myself, the custom cash has nearly no use for me. Don't eat out, work is very close so I bike, stores I shop at for groceries don't count as grocery stores, and pretty much don't use or spend much on the rest. Need cards for bills and groceries at non-grocery stores primarily.
Consider US Bank Cash + card for bills. 5% back but they initially give very small limits. They quadrupled my $500 limit after year 1 though.
The citi secured is a scam. I had the card for 3 years. Over those 3 years, i acquired a freedom unlimited, sapphire preferred, and hilton aspire card. I thought for sure that 3rd year would be the graduation year. I didnt plan on using the graduated card, but i wanted the account history. They did not graduate me after that 3rd year and i closed the card out of spite. They just want to hold your money and profit off of the investment income they make on it
It’s probably about $1000 that they are holding, I doubt they are to worried about trying to make 2% off your money
i was denied when i applied for Premier today. My Experian FICO is 726. I guess probably the reason is that I have too many recent inquiries. When I call the reconsideration line, I should use what reason to explain this situation?
Citi is very inquiry sensitive ; also they like you have balances in your cards and not a big fat 0 utilization
The problem with inquiries, is unless you have some very valid reasons. How do you justify them?
Obviously if your mortgage shopping it can be explained. But if your like me. Easily lured to offers and potential cards. It gets difficult
I was considering getting a Secured Card with Citi, just to get my foot in the door. My FICO is 680 and my credit is only 18 months old.
I was denied by them, for too many inquiries. Can you share their reconsideration phone number?
Thank You
@@callmeNeno I have balance. I have four inquiries in six months. I should use what reason to explain my too many inquiries when I call reconsideration line.
@@michaelreid8857 i dont have mortgage actually. and my credit is only 10 months old
I just call the reconsider line, the reason I was denied was my history was not enough. Premire needs at least damn one year but mine was 10 months. Damn.
I really like citi, however their not valedictorian of class. Maybe more like the salutatorian.
They have some really good cards. Can combine TYs or transfer out or cash out at 1ct per pt. Softpull CLis, & can pc almost any card.
However, they have no premium travel card available for new apps & removed all their travel insurances. They also do not have a business card which earns TYs! 🤔
Would you say they are generous with starting credit lines, and the credit limit increases? Also, I've heard they give you 0% pop up offers on cards that you've had with them awhile...Have you experienced that?
@@KP99 - no & yes.
My starting CL on the diamond preferred card was only $1.8k. However, soft pull CLIs I’ve got it up to $11.2k. And yes, I periodically receive 0% offers & 4-5x ty pts promos. You can also product change any card.
@@docsays How long did it take you to go from 1.8 to 11.2, and how many CLI requests (approx.) Also, would you say you have a high income, or more average/moderate?
Any Citibank card is absolute garbage
@@larssandvik1347 - disagree. The custom cash is very popular for cashback. The double cash was one of the first cards on the market to offer 2% on anything. The citi premier is a great 3x card on useful categories. Costco card is also popular
Put your “question mark” within the parentheses! Let’s be professional and grammatically correct! 😅
Anyone successfully got 2 custom cash cards?
you can only apply for 1 citi custom cash card, but you can product change an existing citi card to a 2nd custom cash card.
@@davisj20824 have you tried to product change?
@@ayman.ibrahim - yes. Citi will let you pc to any card in their lineup. I’ve someone post that they were able to obtain 3 custom cash cards via pc.
@@ayman.ibrahimI got 3 custom cash. Was approved for the custom cash, product change my double cash and rewards+.
Do not open citi visa credit card. They are scammer
Watch out they will keep your reward money instead of give back to customer
Watch out
They are scammer
The citi diamond card plays on people’s egos with the color of the card and the name. Wow a black diamond card this guys a baller lol.
I hear it’s one of the easiest of the citi cards to get.
- lol, that is exactly why i got back in the day, before I knew anything about CC rewards. 😆
I have since changed it to the premier card.