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.
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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.
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)
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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No Enrollment Needed !!
nice, but limited to such a small amount.
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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.
You can use Walmart gift card at Sam's Club if you are a member.
You can use Walmart gift card at Sam's Club if you are a member.
So this card is useless since there's no such thing as a warehouse club category (to get the 5% cashback), correct?
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.
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)
I got a 7-10 days message, meaning I didn't get approved correct?
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https://www.reddit.com/r/CreditCa...?con
But I guess $500 isn't really that high….
I second that! 👍🏼
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