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Citi Custom Cash 5% credit card: new, better offer to earn $300 after $1000 spend available online

+112 Deal Score
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For those unaware, the Citi Custom Cash is a relatively new card that gives 5% back on up to $500 of spending each billing cycle in the category you spend in most (e.g. groceries, dining, gas). No having to figure out what the current quarter's bonus category is to get 5% back.

Previously the only offer available online for this card was $200 on $750 of spending in the first 3 months. You can browse that thread for more info and comments about the card. (There was a $300 offer available in Citi branches, but those are only found in major US cities.)

To find this offer, simply log in to Credit Karma and browse suggested credit card offers and you should see it. Alternatively, you can find a direct link on this reddit thread. I'm not posting the direct link itself as I'm assuming SD will mangle the URL.
Created 11-10-2021 at 07:21 AM by GaiaGeek
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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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Joined Jul 2008
Howdy.
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MrStealYourHamster
11-11-2021 at 12:22 AM.

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11-11-2021 at 12:22 AM.
Approved with 610
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Joined Aug 2008
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-av1-
11-11-2021 at 04:21 AM.

Our community has rated this post as helpful. If you agree, why not thank -av1-

11-11-2021 at 04:21 AM.
Quote from jakelind :
Not about this card directly, but any card that has gas station cashback will see Costco gas as a gas purchase.
"Excludes gasoline purchases at warehouse clubs"
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Joined Mar 2005
L3: Novice
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psxzombie
11-11-2021 at 04:40 AM.
11-11-2021 at 04:40 AM.
Citi should just give you 5% for the first $500 on all of the categories combined, then 1% after. The top category per quarter is ridiculous.
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Joined Sep 2021
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Wyvern1
11-11-2021 at 04:52 AM.
11-11-2021 at 04:52 AM.
thanks
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Joined Oct 2014
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powerbymoney
11-11-2021 at 05:56 AM.
11-11-2021 at 05:56 AM.
Quote from avizone :
"Excludes gasoline purchases at warehouse clubs"

Just buy a Costco Cash Card
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Joined Oct 2014
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powerbymoney
11-11-2021 at 05:58 AM.
11-11-2021 at 05:58 AM.
Quote from GaiaGeek :
Pretty sure Costco pumps only take Visa. This is a MasterCard.

Buy a Costco Cash Card online
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Joined Apr 2016
L2: Beginner
> bubble2 34 Posts
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JacobB2769
11-11-2021 at 06:04 AM.
11-11-2021 at 06:04 AM.
Quote from jakelind :
Not about this card directly, but any card that has gas station cashback will see Costco gas as a gas purchase.
This is not exactly true. Most cards specifically exclude warehouse and grocery store gas stations for the bonus cashback, instead giving the "everywhere else" base rate for cashback.

There are some exclusions I've found:
  • The Costco Citi card does give 4% for Costco gas
  • Chase Freedom has given 5% on gas at Costco when gas is the rotating category.
  • The Wells Fargo Propel Amex card gives me 3% at my Kroger gas station (but other Amex cards don't give the bonus).
So getting enhanced cash back at gas stations at warehouses and grocery stores can depend on factors you don't know. Really you have to try it and find out.
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Joined Sep 2013
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RuchitaR
11-11-2021 at 06:24 AM.
11-11-2021 at 06:24 AM.
Quote from JacobB2769 :
This is not exactly true. Most cards specifically exclude warehouse and grocery store gas stations for the bonus cashback, instead giving the "everywhere else" base rate for cashback.

There are some exclusions I've found:
  • The Costco Citi card does give 4% for Costco gas
  • Chase Freedom has given 5% on gas at Costco when gas is the rotating category.
  • The Wells Fargo Propel Amex card gives me 3% at my Kroger gas station (but other Amex cards don't give the bonus).
So getting enhanced cash back at gas stations at warehouses and grocery stores can depend on factors you don't know. Really you have to try it and find out.

Chase Freedom is phased out and the Freedom Flex is a Mastercard which is not accepted at Costco gas stations.
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Joined Jan 2007
L10: Grand Master
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cgigate
11-11-2021 at 06:26 AM.
11-11-2021 at 06:26 AM.
Finally, they learned from BofA
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Joined Nov 2016
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barbie21827
11-11-2021 at 06:28 AM.
11-11-2021 at 06:28 AM.
For those that have this card, do you manually have to change the 5% category or does it automatically change it based on your spending for the month?
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Joined Jan 2009
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Doremon
11-11-2021 at 06:31 AM.
11-11-2021 at 06:31 AM.
Quote from barbie21827 :
For those that have this card, do you manually have to change the 5% category or does it automatically change it based on your spending for the month?
its auto, it just automatically give you 5% at the end of the month in the highest spending category.
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Joined Jun 2004
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ieee488
11-11-2021 at 06:37 AM.
11-11-2021 at 06:37 AM.
Quote from psxzombie :
Citi should just give you 5% for the first $500 on all of the categories combined, then 1% after. The top category per quarter is ridiculous.
That would be too easy. Big Grin

For my mom, this card is being used for groceries unless Chase's quarter is also groceries.
Then she'll switch over to gas for the Citi.
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Joined Jun 2013
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Funkinyourface
11-11-2021 at 06:48 AM.
11-11-2021 at 06:48 AM.
My wife has a venmo card and they do this same promo although I'm not sure if it is also the same $500 limit
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Joined Aug 2009
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Krazen1211
11-11-2021 at 06:51 AM.

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11-11-2021 at 06:51 AM.
Declined with a 790 score. Hmm.
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Joined Jun 2004
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ieee488
11-11-2021 at 06:52 AM.
11-11-2021 at 06:52 AM.
Quote from Funkinyourface :
My wife has a venmo card and they do this same promo although I'm not sure if it is also the same $500 limit
The Venmo credit card I see on their website is 3% for the top category, 2% for the next category, and 1% for the rest. https://venmo.com/about/creditcard/
Is your wife's card a different one?

.
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