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

So it's 5% on $500 each month basically?

So if I were to use this card only for my Verizon gift card purchase at the store each month for $500, I would get 5% CB each month?

I do this because this allows me to keep my Verizon autopay discount and use my current 5% Amex on cellular purchases.

However, Verizon has started to code those instore gift card purchases differently so my Amex is no longer giving me 5% CB on them

I didn't even know you can set up Verizon autopay with Verizon gift cards. This would let me double dip and get the Verizon auto pay discount monthly and also let me get reward back from my credit card.

Quick question, when you purchase the gift card monthly for your bill, do you need to set up your auto pay again? I assume every gift card has its own card number, expiration date, etc. Or are you just refilling / adding more money to an old gift card monthly?

Thanks in advance for the help!

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?

I didn't even know you can set up Verizon autopay with Verizon gift cards. This would let me double dip and get the Verizon auto pay discount monthly and also let me get reward back from my credit card.

Quick question, when you purchase the gift card monthly for your bill, do you need to set up your auto pay again? I assume every gift card has its own card number, expiration date, etc. Or are you just refilling / adding more money to an old gift card monthly?

Thanks in advance for the help!

Why does it matter to you who buys the groceries? Rather why do you care who lives with who?

I use Paypal Key with my Verizon to link my credit card. Can you like Amex with Paypal Key?

5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.

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.

earn 5% cash back on up to the first $500 of purchases in your highest eligible spend category each billing cycle.

If I spend 251 at supermarket
And 249 at restaurant.

I can get 5% for $251 I spent on supermarket. And 1% on $249 that I spent at restaurant. Right?

Since Grocery is my highest category.

Too bad if it can't accept Walmart and Target for 5% cash back.

If spending 500$ (groceries only), annually 6000$, 300$ cashback with this. But only 1% for rest.

But BCP will give 360$ cashback + 3% petrol + 6% streaming/other amex premium benefits like warranty/travel benefits, so still a better card than this even after 95$ fee, isn't it?

Pre-approved at Creditkarma?

Regardless of what Approval Odds you are given, it is the credit card issuer that has to actually approve you. Pre-approval on Creditkarma does not mean you are pre-approved from the card issuer.