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

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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

Card Details:



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Original Post

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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 Dec 2020
L2: Beginner
> bubble2 49 Posts
10 Reputation
BrightSpaniel939
12-20-2021 at 06:50 PM.
12-20-2021 at 06:50 PM.
Quote from tgies :
It took fully a month after approval for them to mail my damn card, then when I activated it my account was for some reason already on a fraud hold. Currently waiting on hold for an hour to fix it. Citi is making an aggressive bid for title of worst CC issuer I've had.

It took me almost 3 weeks to get my card in the mail and the only reason ( a purchase) i opened this account wasn't on the sale anymore by the time I received this card.
The day i got approved i called them for the card number so i could make a purchase online, they transferred me to three different people only to get an answer a straight "no".
When i was waiting for more than two weeks i called the rude lady said it was mailed and if i don't get in 10 days then i call 14 days after lol.
I'm telling you guys citi has the worst customer service.
Reply
Joined Dec 2014
L5: Journeyman
> bubble2 707 Posts
ILatria
12-20-2021 at 06:58 PM.
12-20-2021 at 06:58 PM.
Quote from BrightSpaniel939 :
It took me almost 3 weeks to get my card in the mail and the only reason ( a purchase) i opened this account wasn't on the sale anymore by the time I received this card.
The day i got approved i called them for the card number so i could make a purchase online, they transferred me to three different people only to get an answer a straight "no".
When i was waiting for more than two weeks i called the rude lady said it was mailed and if i don't get in 10 days then i call 14 days after lol.
I'm telling you guys citi has the worst customer service.

Received mine within a week, maybe even less
Reply
Joined Dec 2014
L5: Journeyman
> bubble2 707 Posts
ILatria
12-20-2021 at 07:02 PM.
12-20-2021 at 07:02 PM.
Wtfark, I guess reading is really fundamental. I thought the 5% back is just anything in that category without having to pick only one category. That sucks then. Oh wells, better than nothing
Reply
Joined Aug 2018
L4: Apprentice
> bubble2 424 Posts
154 Reputation
Mawsu
12-20-2021 at 08:17 PM.
12-20-2021 at 08:17 PM.
Quote from BrightSpaniel939 :
It took me almost 3 weeks to get my card in the mail and the only reason ( a purchase) i opened this account wasn't on the sale anymore by the time I received this card.
The day i got approved i called them for the card number so i could make a purchase online, they transferred me to three different people only to get an answer a straight "no".
When i was waiting for more than two weeks i called the rude lady said it was mailed and if i don't get in 10 days then i call 14 days after lol.
I'm telling you guys citi has the worst customer service.

You could have bought using any means during sale and ask if they can switch the payment mode later (or return if they don't agree). I did this with costco recently on similar situation (for sapphire bonus)
Reply
Joined Dec 2018
Master of my Own Domain
> bubble2 2,161 Posts
374 Reputation
HonestMammoth473
12-20-2021 at 09:03 PM.
12-20-2021 at 09:03 PM.
Quote from donyjunk :
OK this seems like a card you just designate for a single purpose e.g. grocery store. Set a balance alert for $500 and then switch to another card for the rest of the month (eg Double Cash)
Yep, this is what we did. We (wife and I) applied for 2. Labeled one for gas and other for groceries (literally, in Sharpie). Big Grin
Reply
Joined Nov 2007
L9: Master
> bubble2 5,367 Posts
2,230 Reputation
MBZ321
12-21-2021 at 08:51 PM.
12-21-2021 at 08:51 PM.
Hmm....according to the transactions, it codes my Walmart purchases as Grocery store, Supermarket, but looking at the category spend tracker to see where I am on the rewards, it's not counting them in the grocery amount. Ugh. Anyone else notice this?
Reply
Joined Nov 2016
New User
> bubble2 8 Posts
10 Reputation
3bcswins3
12-23-2021 at 05:34 AM.
12-23-2021 at 05:34 AM.
Walmart is ineligible or I would've applied. Wish this card was as simple as it sounds.
Reply

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Joined Feb 2009
L3: Novice
> bubble2 256 Posts
30 Reputation
bluehippo
12-23-2021 at 07:02 AM.
12-23-2021 at 07:02 AM.
Might have already been mentioned, but I applied for this for a $300 bonus after $1000 spend. You gotta search around for link.
Reply
Joined Dec 2009
L4: Apprentice
> bubble2 394 Posts
245 Reputation
donyjunk
12-23-2021 at 10:09 AM.
12-23-2021 at 10:09 AM.
I think somewhere in the grocery categories definition they specifically excluded Walmart & Target. Usually the case for all cards, Chase, etc. when they have grocery as a bonus 5% category. Possibly other general merchandise type places too. Pretty common I think. If you can buy a HDTV and Xbox there probably not a grocery store.

Quote from MBZ321 :
Hmm....according to the transactions, it codes my Walmart purchases as Grocery store, Supermarket, but looking at the category spend tracker to see where I am on the rewards, it's not counting them in the grocery amount. Ugh. Anyone else notice this?
Reply
Joined Nov 2007
L9: Master
> bubble2 5,367 Posts
2,230 Reputation
MBZ321
12-23-2021 at 10:46 AM.
12-23-2021 at 10:46 AM.
Quote from donyjunk :
I think somewhere in the grocery categories definition they specifically excluded Walmart & Target. Usually the case for all cards, Chase, etc. when they have grocery as a bonus 5% category. Possibly other general merchandise type places too. Pretty common I think. If you can buy a HDTV and Xbox there probably not a grocery store.
Yeah I know they usually have those disclaimers, but I thought maybe it would be overlooked since the transactions are coded as a grocery store anyway. Oh well
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
544 Reputation
ieee488
12-23-2021 at 10:58 AM.
12-23-2021 at 10:58 AM.
Quote from 3bcswins3 :
Walmart is ineligible or I would've applied. Wish this card was as simple as it sounds.
Walmart is always ineligible unless specifically stated to be eligible. Every single credit card.

This card is simple. Use it in one category: gas and groceries are the most popular. But if you have other credit cards that cover gas and groceries, use the Citi Custom Cash in drugstores and use it to buy gift cards.
Reply
Joined Jul 2012
L3: Novice
> bubble2 250 Posts
74 Reputation
tul9033
12-24-2021 at 06:09 AM.
12-24-2021 at 06:09 AM.
Quote from ThatAdamGuy :

Its $200 signup bonus is woefully dwarfed by the many cards offering $500, $1000, even more in signup value. And its 5% on one category -- max $25/month -- is not all that exciting when you take into account the 2% no-fee cards available.
Can you share anything offering $500-$1000+ signup bonuses? I haven't seen anything that high. Seems anything over $200 has an annual fee as well.
Thanks
Reply
Joined Mar 2005
L42: Old fart
> bubble2 1,042 Posts
298 Reputation
Pravianti
12-24-2021 at 12:13 PM.
12-24-2021 at 12:13 PM.
Quote from tul9033 :
Can you share anything offering $500-$1000+ signup bonuses? I haven't seen anything that high. Seems anything over $200 has an annual fee as well.
Thanks

Yes, generally the big bonuses are on cards with annual fees. Most extreme example: Amex Platinum can net you the equivalent of $2500+ in points and many hundreds of dollars in benefits in the first year, but costs $695/yr

But even cards cussing just $95/yr can offer signup bonuses worth potentially $1200+. Many people value Chase points at 2 cents each, and the $95/yr Sapphire Preferred card has had signup bonuses reading from 60k to 100k points
1
Reply
Last edited by ThatAdamGuy December 24, 2021 at 12:16 PM.
Joined Mar 2020
New User
> bubble2 16 Posts
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FXmyLife
12-24-2021 at 02:02 PM.
12-24-2021 at 02:02 PM.
For this Citi Custom Cash card, Credit Karma offers $300 sign up bonus if you spend $1000 within the first 3 months. Better deal if you apply thru Credit Karma.
Reply
Last edited by FXmyLife December 24, 2021 at 09:24 PM.

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Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
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ieee488
12-24-2021 at 02:34 PM.
12-24-2021 at 02:34 PM.
Quote from ThatAdamGuy :
Yes, generally the big bonuses are on cards with annual fees. Most extreme example: Amex Platinum can net you the equivalent of $2500+ in points and many hundreds of dollars in benefits in the first year, but costs $695/yr

But even cards cussing just $95/yr can offer signup bonuses worth potentially $1200+. Many people value Chase points at 2 cents each, and the $95/yr Sapphire Preferred card has had signup bonuses reading from 60k to 100k points
To get the 60K points with the Chase Sapphire Preferred, you need to spend $4000 in the first 3 months.
According to Chase, those 60K points translates into $750 in travel ( https://creditcards.chase.com/rew.../preferred )
What if I want straight up $ ?
How much does that 60K points get me in statement credit?
I am comparing apples to apples, since travel credit is useless to me.

.
Reply
Last edited by ieee488 December 24, 2021 at 02:38 PM.
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