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Citi Custom Cash℠ Card: Earn $200 after Spending $750 in First 3-Months Expired

+440 Deal Score
1,067,970 Views
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.
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Original Post

Written by
Edited July 5, 2023 at 08:59 AM by
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.
Slickdeals may be compensated by Citi.
Created 06-10-2021 at 07:04 AM by sd_keets
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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.

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Featured Comments

5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.

No Enrollment Needed !!
If you go into the branch the offer is $300 check out your local branch
limited to only $500 spend per billing cycle which equates to $25 cash back per month...

nice, but limited to such a small amount.

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Joined Jul 2010
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mitchflorida
07-16-2021 at 01:47 PM.
07-16-2021 at 01:47 PM.
Quote from buzzman :
People here have been saying we can get 5% back by buying Costco gift cards (online and/or grocery stores).

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.
You can buy Costco gift cards at Costco only. And you have to be a member.

You can use Walmart gift card at Sam's Club if you are a member.
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Last edited by mitchflorida July 16, 2021 at 01:53 PM.
Joined Mar 2005
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buzzman
07-16-2021 at 01:59 PM.
07-16-2021 at 01:59 PM.
Quote from mitchflorida :
You can buy Costco gift cards at Costco only. And you have to be a member.

You can use Walmart gift card at Sam's Club if you are a member.
Yep - exactly.

So this card is useless since there's no such thing as a warehouse club category (to get the 5% cashback), correct?
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> bubble2 327 Posts
DarkKnight01
07-16-2021 at 02:20 PM.
07-16-2021 at 02:20 PM.
Quote from AlphaRaven :
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.

Thanks for detailed post, it's hard to find sensible comments on SD these days.
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Knightshade
07-16-2021 at 02:39 PM.
07-16-2021 at 02:39 PM.
Quote from mitchflorida :
You can buy Costco gift cards at Costco only. And you have to be a member.
You can buy them at costco.com

That's what folks do when Discover has Warehouse clubs as a 5% category for the quarter for example- since they take Discover at the website, but not in the store.


(also not well known- you can SHOP at costco using these gift cards, even if you're not a member)
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Echocentricity
07-16-2021 at 06:16 PM.
07-16-2021 at 06:16 PM.
Hello, I ended up applying in the branch were I saw the $300 dollar bonus.

I got a 7-10 days message, meaning I didn't get approved correct?
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nonuser16841
07-17-2021 at 05:45 AM.
07-17-2021 at 05:45 AM.
Quote from irishtroll1984 :
Holy cow that's a lot of exclusions. Kudos to you for listing them all, I would never apply for it based on all that.
does the exclusion list for supermarket count Walmart as general merchandise store/ discount superstore? nvm, it is excluded
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Last edited by evantran0 July 17, 2021 at 05:48 AM.
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pippypoppy
07-18-2021 at 10:28 AM.
07-18-2021 at 10:28 AM.
I would need to unfreeze my credit to apply for this -- anyone know which agency they use to check? Transunion, Experian, etc.
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CrimsonMountain4601
07-18-2021 at 10:59 AM.
07-18-2021 at 10:59 AM.
Quote from pippypoppy :
I would need to unfreeze my credit to apply for this -- anyone know which agency they use to check? Transunion, Experian, etc.
This reddit thread makes it sounds like it varies by state. Experian or Equifax?
https://www.reddit.com/r/CreditCa...?context=3
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mitchflorida
07-18-2021 at 11:25 AM.
07-18-2021 at 11:25 AM.
Quote from pippypoppy :
I would need to unfreeze my credit to apply for this -- anyone know which agency they use to check? Transunion, Experian, etc.
Experian.
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samwathegreat
07-18-2021 at 01:20 PM.
07-18-2021 at 01:20 PM.
They pulled Equifax for me
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Dirt_Cheap
07-19-2021 at 04:30 PM.
07-19-2021 at 04:30 PM.
Quote from chillair :
Wish it was Visa because Costco!
But I guess $500 isn't really that high….

I second that! 👍🏼
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liunit92
07-19-2021 at 06:05 PM.
07-19-2021 at 06:05 PM.
gonna use this for toll roads and trains
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thirsty4deal
07-20-2021 at 01:27 PM.
07-20-2021 at 01:27 PM.
Quote from tiniwings :
Product change is available from July 18th
Citi turned me down for a product change. They are not doing a product change at this moment itseems.
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bargainfinder09
07-20-2021 at 01:50 PM.
07-20-2021 at 01:50 PM.
Product change has to include the Custom Cash Card as on option, call in and request it, then they will tell you to call back in 10 business days where it should be available by then.
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> bubble2 309 Posts
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aimo
07-22-2021 at 03:50 PM.
07-22-2021 at 03:50 PM.
Product change can be requested via chat and approved instantly. Same card number, same thank you points program.
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