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Citi Custom Cash℠ Card: Earn $200 after Spending $750 in First 3-Months Expired
Citi is offering $200 in cash back after you spend $750 on purchases in the first 3 months of account opening for the Citi Custom Cash℠ Card. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. No annual fee.
Thanks to Staff Member sd_keets for finding this deal
Card Details:
Slickdeals may be compensated by Citi.
Thanks to Staff Member sd_keets for finding this deal
Card Details:
Slickdeals may be compensated by Citi.
Original Post
Written by
Edited July 5, 2023
at 08:59 AM
Citi is offering $200 in cash back after you spend $750 on purchases in the first 3 months of account opening for the Citi Custom Cash℠ Card. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. No annual fee.
Card Details:
Card Details:
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee.
- Citi will only issue one Citi Custom Cash℠ Card account per person.
Created 06-10-2021
at 07:04 AM
by sd_keets
in
Credit Cards
(4)
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No Enrollment Needed !!
nice, but limited to such a small amount.
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Our community has rated this post as helpful. If you agree, why not thank Dbobcat
Also the 500 limit per month doesn't give you a lot of room. Especially for bigger purchases like flight tickets. Wish they did an annual or quarterly limit instead. More workable
People see the percentage and salivate. You have to understand your actual spending to realize if this is worth it to you or not. 2% of $100 is piddly squat.
If you are an adult you are going to spend more than $100 per month.
So, this is pretty much useless.
So, this is pretty much useless.
Thanks for pointing out the 5% is only on your TOP spending category and not all qualifying categories. I didn't realize that. Its going to be harder to maximize savings but I wouldn't call it useless.
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Please correct me if I'm wrong.
If I lets say use this card only for restaurants and nothing else, restaurants will be my top spend category every single billing cycle, meaning this card is effectively a no-fee 5% cashback card on restaurants every month of the year?
After just kinda discovering this card and this thread, I think that would be my strategy too. Use this card for single purpose in grocery shopping (up to $500 each month) and the Citi Double Cash for everything else. 5% cash back on groceries (albeit limited to $500 in a month) is not bad for a no annual fee card.
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Another way to think of the potential travel value to be had here: if you max out the $500 of bonus category spending on this card each month, that's 2500 ThankYou points obtained. Three months of spending will net you 7500 ThankYou Points, enough for a one-way economy ticket on United anywhere in the US (provided there is availability), yielding you ~$400 in travel value for the example I listed above, on $1500 on spending, or a whopping >26% return!
There are other good examples of travel deals too, like flying cross-country from New York to California, or up to Alaska. All typically pricey cash fares, but all the same cheap 7500 miles on United via Turkish Airlines.
Edit: Note the "$200 cash back" sign-up bonus is actually 20,000 ThankYou points. Sure, you could redeem it 1:1 for $200 in cash back. Or you could transfer those points (again, only if you also had one of the other Citi cards) to Turkish Airlines, and book a round-trip flight anywhere in the US, with 5000 points to spare! Far more than $200 value there.
Please correct me if I'm wrong.
If I lets say use this card only for restaurants and nothing else, restaurants will be my top spend category every single billing cycle, meaning this card is effectively a no-fee 5% cashback card on restaurants every month of the year?
that's best part of this card.
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Merchants are assigned a merchant category code ("MCC"), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. We don't control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, we're provided an MCC for that purchase. We group similar merchant codes into categories for purposes of identifying your spend category. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn't grouped into that category, your purchase amount will not be included in the spend for that billing cycle.