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

+112 Deal Score
89,332 Views
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 Apr 2015
L5: Journeyman
> bubble2 722 Posts
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Shunzmove
11-11-2021 at 12:12 PM.
11-11-2021 at 12:12 PM.
Would food delivery count under restaurants? I know some cc's make specific exceptions to exclude GrubHub,Uber eats etc

edit:

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.
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Last edited by nazeef13 November 11, 2021 at 12:15 PM.
Joined Oct 2007
L6: Expert
> bubble2 1,321 Posts
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omegalul
11-11-2021 at 12:33 PM.
11-11-2021 at 12:33 PM.
Quote from Muthuragavan :
My bad, I just applied for 200 cash back couple of days back. Not sure if they can update with this offer. I am yet to get my card.. Any idea?

On the same boat as you Frown Just applied yesterday
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Joined Jan 2010
L8: Grand Teacher
> bubble2 3,448 Posts
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Zelo
11-11-2021 at 12:39 PM.
11-11-2021 at 12:39 PM.
Quote from GaiaGeek :
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.)
Thank you for posting this deal and we don't have a Citi branch near us.

https://www.creditkarma.com/credit-cards

I see the $300 offer and I love the low $1000 minimum spend, seriously considering applying for this. Any idea when this "limited time offer" might expire?

Last but not least, TU and repped ApplausePeaceApplause
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Last edited by Zelo November 11, 2021 at 12:41 PM.
Joined Aug 2017
L2: Beginner
> bubble2 44 Posts
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DanG2310
11-11-2021 at 12:42 PM.
11-11-2021 at 12:42 PM.
Too bad if it can't accept Walmart and Target for 5% cash back.
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Joined Aug 2015
L3: Novice
> bubble2 246 Posts
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Silme
11-11-2021 at 01:46 PM.
11-11-2021 at 01:46 PM.
Really not bad for a grocery card.. I may need to cancel Amex Blue Cash Preferred with 6% and $100 annual fee.
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Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
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ieee488
11-11-2021 at 01:54 PM.
11-11-2021 at 01:54 PM.
Quote from Silme :
Really not bad for a grocery card.. I may need to cancel Amex Blue Cash Preferred with 6% and $100 annual fee.
What other benefits does the BCP give you?
I only have the BCE.
You would have to spend $1667 just to break even on that $100 annual fee.
Whereas if you spend $500 every month for three months and another $167, you end up with $83.35 in your pockets.
The only gotcha with the Citi Custom Cash is that you can only spend $500 per statement cycle. Once you go over, everything is 1%.
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Joined Sep 2014
L9: Master
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This user is an Expert in Tech & Electronics
SuplexCity
11-11-2021 at 02:10 PM.
11-11-2021 at 02:10 PM.
Quote from nazeef13 :
Would food delivery count under restaurants? I know some cc's make specific exceptions to exclude GrubHub,Uber eats etc

edit:

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.
In my experience, food delivery usually gets counted towards restaurants.
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Joined Aug 2015
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> bubble2 246 Posts
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Silme
11-11-2021 at 02:48 PM.
11-11-2021 at 02:48 PM.
Quote from ieee488 :
What other benefits does the BCP give you?
I only have the BCE.
You would have to spend $1667 just to break even on that $100 annual fee.
Whereas if you spend $500 every month for three months and another $167, you end up with $83.35 in your pockets.
The only gotcha with the Citi Custom Cash is that you can only spend $500 per statement cycle. Once you go over, everything is 1%.
I think it's only only 6% groceries, 6% streaming and 3% gas. I don't think there is a difference in Amex Offers or customer service.
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Joined Oct 2008
L9: Master
> bubble2 4,507 Posts
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warsaws
11-11-2021 at 02:50 PM.
11-11-2021 at 02:50 PM.
Quote from SiennaDeer8270 :
Your mom buys your groceries?
Odd comment…there was nothing there to indicate that.
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Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
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ieee488
11-11-2021 at 02:52 PM.
11-11-2021 at 02:52 PM.
Quote from Silme :
I think it's only only 6% groceries, 6% streaming and 3% gas. I don't think there is a difference in Amex Offers or customer service.
If $500 a month is enough to cover your grocery purchases, I would go with the Citi and dump the BCP.
I don't make enough purchases to make the annual fee worthwhile.

Reply
Joined Aug 2007
L3: Novice
> bubble2 263 Posts
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busterbaxter
11-11-2021 at 02:54 PM.
11-11-2021 at 02:54 PM.
Quote from 3wisemonkeyz :
Can I product change to it?
Did an online chat with them to convert from Preferred to this. Was told that it is not possible. Suggested me to convert to Rewards+ then convert to Custom Cash. When I asked how long I need to wait before converting from Rewards+ to CC, there was no definitive answer.

This contradicts with what I found online in other card forums in which the only card that couldn't be converted directly is the Double Cash.
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Joined Jan 2020
L6: Expert
> bubble2 1,412 Posts
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SiennaDeer8270
11-11-2021 at 03:23 PM.
11-11-2021 at 03:23 PM.
Quote from warsaws :
Odd comment…there was nothing there to indicate that.
Really? I thought the odd comment was he knew exactly how his mom uses her credit card and when she switches for what purchases. Typically, you would have to live with someone and go with them to buy groceries and gas to know that. If you live with your mom, isn't the first question does she buy your groceries for you?
2
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Joined Oct 2015
L3: Novice
> bubble2 378 Posts
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Columbian
11-11-2021 at 03:29 PM.
11-11-2021 at 03:29 PM.
Dang. Applied for $200 offer last week
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Joined Apr 2019
L1: Learner
> bubble2 23 Posts
10 Reputation
JeffN1981
11-11-2021 at 03:39 PM.
11-11-2021 at 03:39 PM.
So you have to reach the $500 max to get the 5%? If I get just $200 worth of gas and nothing else, no 5%?
1
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Joined Nov 2010
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BobbyFinstock
11-11-2021 at 04:01 PM.
11-11-2021 at 04:01 PM.
Quote from JeffN1981 :
So you have to reach the $500 max to get the 5%? If I get just $200 worth of gas and nothing else, no 5%?

It says 5% on *up to* $500 so no you don't have to spend 500. You'd get 5% back on the $200 worth of gas.
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