Citi Custom Cash 5% credit card: new, better offer to earn $300 after $1000 spend available online
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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.
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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.
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.
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?
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%.
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.
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.
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.
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.
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?
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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.
On the same boat as you
https://www.creditkarma
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
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%.
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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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 don't make enough purchases to make the annual fee worthwhile.
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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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.