Citi Custom Cash℠ Card: Earn $200 after Spending $750 in First 3-Months
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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
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:
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.
These responses are not provided or commissioned by the bank advertiser.
Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser.
It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Seems like a useless card unless you use it for only one of the categories and you don't spend more than $500/month in that category.
EDIT: I can actually see some use for this for someone who doesn't spend too much in those categories but wants to maximize their cash back. Especially if you use mobile payments and don't have to carry the card in your wallet.
This would be a perfect card for most people's dining needs...But having said that, I'm considering switching from American Express's Blue Cash Preferred because although it offers 6% it has an annual fee starting in the second year which makes this Custom Cash card a better deal for thrifty grocery shoppers like ourselves.
So walmart grocery is excluded from 5% then, so best thing to buy visa gc monthly for $6 activation fee which brings the discount to 4% cash back and use every where.
So walmart grocery is excluded from 5% then, so best thing to buy visa gc monthly for $6 activation fee which brings the discount to 4% cash back and use every where.
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07-15-2021 at 02:04 PM.
Quote
from HoldOnTightly
:
Seems like a useless card unless you use it for only one of the categories and you don't spend more than $500/month in that category.
EDIT: I can actually see some use for this for someone who doesn't spend too much in those categories but wants to maximize their cash back. Especially if you use mobile payments and don't have to carry the card in your wallet.
If you have good credit, it seems like a no-brainer. Remember, getting cash back on money you spend is even better than interest on savings as you don't have to pay tax on it.
My current cheap-ass config:
-USAA Credit Card : 5% back on gas
-US Bank Credit Card (choose 2 categories at 5%) : 5% back on TV, internet, streaming services; 5% back on cell phone providers
-City National Bank Credit Card (choose 2 categories at 5%) : 5% back on Utilities; 5% back on gym and fitness stores (Academy, Dick's Sporting Goods)
-Discover It Credit Card : 5% back on rotating categories
-Chase Freedom Credit Card : 5% back on rotating categories
-AMEX Blue Cash Everyday Credit Card : 3% back on groceries
-Citi Double Cash Credit Card : 2% back on everything
-My new Citi Custom Credit Card : Probably will do the 5% back at restaurants, or possibly Home Improvement stores.
Take note that my credit cards are all set to autopay so I never pay interest, they are all 0 annual fee cards, and that the US Bank and City National Bank cards sit in a safe with my other important docs since Internet/TV/Streaming, Cell Phone, Utilities, and Gym are enrolled in online autopay. Also, I use my Discover It for the full $1,500 on Amazon Gift Cards during that quarter, redeem on my Amazon account, and burn through it over the year since my Amazon Credit card seem to keep changing their terms from 3% to 5% and now back to 3%.
If you are willing to commit specific cards for specific purchases, it really is easy to get free savings. Also, most have rewards upon signing up (Citi Custom Cash gives $200 back on spending $750 in 3 months), improve your credit score if you only spend what you have, and usually give some protection through "charge-back" and maybe even built-in warranties.
Remember, if you were to only spend $20,000 a year on bills and purchases using 5% back credit cards, you would get $1,000 (5%) back. What are savings accounts and CD interest rates at today....1%, maybe up to 2% if you find a no frills online bank or use Kasasa Cash Checking accounts possibly? Capital gains comes out on top of that.
If you have good credit, it seems like a no-brainer. Remember, getting cash back on money you spend is even better than interest on savings as you don't have to pay tax on it.
My current cheap-ass config:
-USAA Credit Card : 5% back on gas
-US Bank Credit Card (choose 2 categories at 5%) : 5% back on TV, internet, streaming services; 5% back on cell phone providers
-City National Bank Credit Card (choose 2 categories at 5%) : 5% back on Utilities; 5% back on gym and fitness stores (Academy, Dick's Sporting Goods)
-Discover It Credit Card : 5% back on rotating categories
-Chase Freedom Credit Card : 5% back on rotating categories
-AMEX Blue Cash Everyday Credit Card : 3% back on groceries
-Citi Double Cash Credit Card : 2% back on everything
-My new Citi Custom Credit Card : Probably will do the 5% back at restaurants, or possibly Home Improvement stores.
Take note that my credit cards are all set to autopay so I never pay interest, they are all 0 annual fee cards, and that the US Bank and City National Bank cards sit in a safe with my other important docs since Internet/TV/Streaming, Cell Phone, Utilities, and Gym are enrolled in online autopay. Also, I use my Discover It for the full $1,500 on Amazon Gift Cards during that quarter, redeem on my Amazon account, and burn through it over the year since my Amazon Credit card seem to keep changing their terms from 3% to 5% and now back to 3%.
If you are willing to commit specific cards for specific purchases, it really is easy to get free savings. Also, most have rewards upon signing up (Citi Custom Cash gives $200 back on spending $750 in 3 months), improve your credit score if you only spend what you have, and usually give some protection through "charge-back" and maybe even built-in warranties.
Remember, if you were to only spend $20,000 a year on bills and purchases using 5% back credit cards, you would get $1,000 (5%) back. What are savings accounts and CD interest rates at today....1%, maybe up to 2% if you find a no frills online bank or use Kasasa Cash Checking accounts possibly? Capital gains comes out on top of that.
where is is city national bank credit card that has 5% categories? I only see one that has 1.5%
limited to only $500 spend per billing cycle which equates to $25 cash back per month...
nice, but limited to such a small amount.
Most people won't spend more than $500 on gas per month (or that same amount on groceries).
You won't get 5% back on a big purchases from Amazon, eBay or Costco with this card, anyways. This card is for one out of gas or groceries or dining out.
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No Enrollment Needed !!
nice, but limited to such a small amount.
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Both, Use the 5% custom for your top spending and rest 2% card.
Both cards don't have anual fee.
Both cards don't have anual fee.
Takes $10k in spending at 2% to equal that
For me $750 is a lot easier than $10k
Both cards don't have anual fee.
EDIT: I can actually see some use for this for someone who doesn't spend too much in those categories but wants to maximize their cash back. Especially if you use mobile payments and don't have to carry the card in your wallet.
But I guess $500 isn't really that high….
Buy $500 gc online.
But I guess $500 isn't really that high….
You spend more than $500 on costco? Damn
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Our community has rated this post as helpful. If you agree, why not thank AlphaRaven
EDIT: I can actually see some use for this for someone who doesn't spend too much in those categories but wants to maximize their cash back. Especially if you use mobile payments and don't have to carry the card in your wallet.
My current cheap-ass config:
-USAA Credit Card : 5% back on gas
-US Bank Credit Card (choose 2 categories at 5%) : 5% back on TV, internet, streaming services; 5% back on cell phone providers
-City National Bank Credit Card (choose 2 categories at 5%) : 5% back on Utilities; 5% back on gym and fitness stores (Academy, Dick's Sporting Goods)
-Discover It Credit Card : 5% back on rotating categories
-Chase Freedom Credit Card : 5% back on rotating categories
-AMEX Blue Cash Everyday Credit Card : 3% back on groceries
-Citi Double Cash Credit Card : 2% back on everything
-My new Citi Custom Credit Card : Probably will do the 5% back at restaurants, or possibly Home Improvement stores.
Take note that my credit cards are all set to autopay so I never pay interest, they are all 0 annual fee cards, and that the US Bank and City National Bank cards sit in a safe with my other important docs since Internet/TV/Streaming, Cell Phone, Utilities, and Gym are enrolled in online autopay. Also, I use my Discover It for the full $1,500 on Amazon Gift Cards during that quarter, redeem on my Amazon account, and burn through it over the year since my Amazon Credit card seem to keep changing their terms from 3% to 5% and now back to 3%.
If you are willing to commit specific cards for specific purchases, it really is easy to get free savings. Also, most have rewards upon signing up (Citi Custom Cash gives $200 back on spending $750 in 3 months), improve your credit score if you only spend what you have, and usually give some protection through "charge-back" and maybe even built-in warranties.
Remember, if you were to only spend $20,000 a year on bills and purchases using 5% back credit cards, you would get $1,000 (5%) back. What are savings accounts and CD interest rates at today....1%, maybe up to 2% if you find a no frills online bank or use Kasasa Cash Checking accounts possibly? Capital gains comes out on top of that.
My current cheap-ass config:
-USAA Credit Card : 5% back on gas
-US Bank Credit Card (choose 2 categories at 5%) : 5% back on TV, internet, streaming services; 5% back on cell phone providers
-City National Bank Credit Card (choose 2 categories at 5%) : 5% back on Utilities; 5% back on gym and fitness stores (Academy, Dick's Sporting Goods)
-Discover It Credit Card : 5% back on rotating categories
-Chase Freedom Credit Card : 5% back on rotating categories
-AMEX Blue Cash Everyday Credit Card : 3% back on groceries
-Citi Double Cash Credit Card : 2% back on everything
-My new Citi Custom Credit Card : Probably will do the 5% back at restaurants, or possibly Home Improvement stores.
Take note that my credit cards are all set to autopay so I never pay interest, they are all 0 annual fee cards, and that the US Bank and City National Bank cards sit in a safe with my other important docs since Internet/TV/Streaming, Cell Phone, Utilities, and Gym are enrolled in online autopay. Also, I use my Discover It for the full $1,500 on Amazon Gift Cards during that quarter, redeem on my Amazon account, and burn through it over the year since my Amazon Credit card seem to keep changing their terms from 3% to 5% and now back to 3%.
If you are willing to commit specific cards for specific purchases, it really is easy to get free savings. Also, most have rewards upon signing up (Citi Custom Cash gives $200 back on spending $750 in 3 months), improve your credit score if you only spend what you have, and usually give some protection through "charge-back" and maybe even built-in warranties.
Remember, if you were to only spend $20,000 a year on bills and purchases using 5% back credit cards, you would get $1,000 (5%) back. What are savings accounts and CD interest rates at today....1%, maybe up to 2% if you find a no frills online bank or use Kasasa Cash Checking accounts possibly? Capital gains comes out on top of that.
nice, but limited to such a small amount.
You won't get 5% back on a big purchases from Amazon, eBay or Costco with this card, anyways. This card is for one out of gas or groceries or dining out.
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Warehouse club is not a valid category, so how could you get 5% back back buying it online?
Do grocery stores really sell Costco gift cards? I never heard of this, perhaps this is highly regional.