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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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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.
What exactly does 'up to the first $500 mean'? Consider the following scenario
Scenario A:
Day 1: $200 on groceries
Day 2: $350 on restaurant
Day 31: $300 on groceries
- will I be getting $25 ($200 +$300 on groceries)
OR
- will I be getting $7.50 since day1+day2 are greater than $500 in total and the 5% is applied on the top spend meaning $300, not $350 since only first $500 are covered by 5% possibility?
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.
What exactly does 'up to the first $500 mean'? Consider the following scenario
Scenario A:
Day 1: $200 on groceries
Day 2: $350 on restaurant
Day 31: $300 on groceries
- will I be getting $25 ($200 +$300 on groceries)
OR
- will I be getting $7.50 since day1+day2 are greater than $500 in total and the 5% is applied on the top spend meaning $300, not $350 since only first $500 are covered by 5% possibility?
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The following definitions apply to the categories:
Restaurants
Includes purchases at cafes, bars, lounges and fast food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third party dining delivery services.
Gas Stations
Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.
Grocery Stores
Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.
Select Travel
Includes airline, hotel, cruise line and travel agency purchases. Excludes timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies.
Select Transit
Includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals. Excludes bike/scooter rentals, auto clubs and insurance companies.
Select Streaming Services
Includes the following cable, satellite, and streaming providers: Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.
The above names are trademarks or registered trademarks of their respective owners and could be changed at any time. The owners of the above marks do not endorse Citibank N.A.'s services, and are not otherwise affiliated with Citibank, N.A. or any of its related entities.
Drugstores
Includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store and pharmacy merchant category code.
Home Improvement Stores
Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists' supply stores; nursery stock; wholesale construction stores; and glass stores.
Fitness Clubs
Includes membership fee and other purchases at athletic, sports and recreation facilities requiring membership such as health, tennis, and swimming clubs. Excludes fees associated with virtual services for home exercise equipment, personal monitoring devices, or fitness streaming classes.
Live Entertainment
Includes ticket purchases for live entertainment, including: concerts, live sporting events, live theatrical productions, amusement parks, and orchestras. Excludes: charitable organizations that provide live entertainment (benefits), sporting camps, sports complexes where you participate in the sport, public and private golf courses, country clubs (including membership fees), bowling alleys, movie theaters, tourist attractions, museums and art galleries.
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 post. Repped. I do SOME of the above, but not all. BTW, I used to use Discover It for Amazon, but my Amazon card stays at 5% cb so I will just use that. QUESTION: Could you do the same for Walmart GCs during that quarter (buy $1500 to get max back and use over time?). TIA
My current cheap-ass config:
-USAA Credit Card : 5% back on gas No, but I don't drive much anymore
-US Bank Credit Card (choose 2 categories at 5%) : 5% back on TV, internet, streaming services; 5% back on cell phone providers Yes, Netflix and Comcast
-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) No
-Discover It Credit Card : 5% back on rotating categories No
-Chase Freedom Credit Card : 5% back on rotating categories Yes
-Chase Freedom Flex Yes I am maximizing the current quarter's 9% on groceries by buying 3x $500 VISA gift cards at Wegmans
-AMEX Blue Cash Everyday Credit Card : 3% back on groceries Yes for their offers not specifically for their groceries.
-Citi Double Cash Credit Card : 2% back on everything Yes
-Bank of America Cash Rewards 3% online via Paypal
-My new Citi Custom Credit Card : Probably will do the 5% back at restaurants, or possibly Home Improvement stores. Soon to be a Yes
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.
.
Discover CC- 5% rotating
Chase Flex CC - 5% rotating
Amazon CC - 5%
Target CC- 5% CB
Citi CC - 2% CB
Discover CC- 5% rotating
Chase Flex CC - 5% rotating
Amazon CC - 5%
Target CC- 5% CB
Citi CC - 2% CB
I have the exact same setup except 6% at grocery stores with the Amex blue cash preferred. I usually keep my restaurant spending under $500 a month and have been thinking about getting this card for that. It does have the additional benefit that if you need to make a purchase in a different category one month you can use it there too. Still haven't pulled the trigger yet. I think there was a better bonus at one point?
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Yeah, I can't remember the break point but I believe it was around $3200. If you spend more than that in a year at the grocery store it is better to get the one with the fee. I buy gift cards for Amazon etc at the grocery store so am always over the break point