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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 May 2009
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> bubble2 1,750 Posts
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khalid7412002
11-12-2021 at 08:13 PM.
11-12-2021 at 08:13 PM.
Quote from igorjrr :
Serious question... is it worth it for a simple $25 per month maximum cashback?

I would not spend extra time going to a specific store, dealing with gift card risks, to save $25 per month. Now, just replacing the card for autopay, restaurant, etc might be worth it (no extra work, every month).
my family is $500 each month X .05% X 12 months = $300 for minimal work, besides stopping by a store for a few mins to buy it.

store is on my way so no more than 5-10 mins worth of time. worth it for me since i buy $1000 GC each time so i go in every couple months
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Last edited by khalid7412002 November 12, 2021 at 08:16 PM.
Joined May 2009
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> bubble2 1,750 Posts
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khalid7412002
11-12-2021 at 08:15 PM.
11-12-2021 at 08:15 PM.
Quote from BalkiBartokomous :

Last I heard, you could also buy Verizon gift cards with your credit card for the 5% and then load the gift cards on your Verizon account to retain the autopay discount. I'd verify this still works before trying though as it has been some time since I checked.


https://www.verizon.com/products/gift-cards/
this is what i've been doing since they stopped allowing credit card payments while still retaining the $10 discount.

But the last few months, the in store GC are being coded as a GC versus as a service bill so my Amex/Chase Reserve aren't giving me the 5% CB
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Joined May 2004
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> bubble2 14,301 Posts
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BalkiBartokomous
11-12-2021 at 08:50 PM.
11-12-2021 at 08:50 PM.
Quote from khalid7412002 :
this is what i've been doing since they stopped allowing credit card payments while still retaining the $10 discount.

But the last few months, the in store GC are being coded as a GC versus as a service bill so my Amex/Chase Reserve aren't giving me the 5% CB
Have you tried buying them from the link I posted?
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Joined Dec 2008
GaiaGeek Extraordinaire
> bubble2 2,028 Posts
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Original Poster
GaiaGeek
11-12-2021 at 11:29 PM.
11-12-2021 at 11:29 PM.
Quote from arob109 :
I must spent a lot on gas. I usually have $400-600 cash back on BCP and don't think I max out the $6000 on grocery… although probably getting close now with how much prices have gone up.

This Custom Cash seems like a good use for Home Depot / Lowe's. Every time I go I seem to spend at least $100… and they sell gift cards so not a bad way to spend out the $500/month.
There are cards out there that will get you 4%-5% on gas: see cards from PNC, Abound Credit Union, USAA (must be military). If you're willing to use multiple cards you can always beat what you'd get back with the BCP due to its annual fee.
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Last edited by GaiaGeek November 13, 2021 at 12:48 AM.
Joined Jan 2006
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sportsdude00
11-13-2021 at 04:11 AM.
11-13-2021 at 04:11 AM.
Quote from igorjrr :
Serious question... is it worth it for a simple $25 per month maximum cashback?

I would not spend extra time going to a specific store, dealing with gift card risks, to save $25 per month. Now, just replacing the card for autopay, restaurant, etc might be worth it (no extra work, every month).

I combine/transfer my points to my premium citi card (citi prestige) for travel and usually get 2-3x value for my points. So when the 5% return turns into 10+% returns, then yes it can be worth the extra effort
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Joined Apr 2014
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Jimwm
11-13-2021 at 07:26 AM.
11-13-2021 at 07:26 AM.
Does this card only work at "fast food restaurants"? What about regular restaurant?
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Joined Nov 2015
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Theful13ffect
11-13-2021 at 09:17 AM.
11-13-2021 at 09:17 AM.
Quote from Jimwm :
Does this card only work at "fast food restaurants"? What about regular restaurant?
I don't have this Citi Custom card, but I do have the Citi Premier card. It earns me 3x points on fast food and non fast food restaurants, so I imagine the Custom card would do the same.
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Joined Apr 2016
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> bubble2 36 Posts
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pswinontariop
11-13-2021 at 10:04 AM.
11-13-2021 at 10:04 AM.
Does Citi provide refer a friend bonus? I am not asking for a referral link. This is a general question.
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Joined Jun 2004
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> bubble2 3,236 Posts
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ieee488
11-13-2021 at 10:10 AM.
11-13-2021 at 10:10 AM.
Quote from pswinontariop :
Does Citi provide refer a friend bonus? I am not asking for a referral link. This is a general question.
No. Not in USA. I looked.
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Joined Apr 2014
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> bubble2 523 Posts
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Jimwm
11-13-2021 at 12:43 PM.
11-13-2021 at 12:43 PM.
Quote from Theful13ffect :
I don't have this Citi Custom card, but I do have the Citi Premier card. It earns me 3x points on fast food and non fast food restaurants, so I imagine the Custom card would do the same.
Thank you for the info!
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Joined May 2009
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khalid7412002
11-13-2021 at 02:09 PM.
11-13-2021 at 02:09 PM.
Quote from BalkiBartokomous :
Have you tried buying them from the link I posted?
Yup. Just bought some this past week on both my Amex business and chase business cash cards but neither triggered the 5% CB
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Joined May 2004
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BalkiBartokomous
11-13-2021 at 04:54 PM.
11-13-2021 at 04:54 PM.
Quote from khalid7412002 :
Yup. Just bought some this past week on both my Amex business and chase business cash cards but neither triggered the 5% CB
That sucks... I take it nowhere else sells Verizon gift cards one can use for a category spend bonus?
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Joined Oct 2021
L5: Journeyman
> bubble2 526 Posts
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CrimsonRose733
11-13-2021 at 08:16 PM.
11-13-2021 at 08:16 PM.
Is it actual pure cashback as statement credit, or is it thank you points?
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Joined Feb 2021
L4: Apprentice
> bubble2 422 Posts
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Optimusdiesel
11-13-2021 at 09:19 PM.
11-13-2021 at 09:19 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.
ask them for a annual fee waive every year. thats what i did with a old card i used to have.
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Joined Nov 2016
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NaPra
11-14-2021 at 10:59 AM.
11-14-2021 at 10:59 AM.
Quote from GaiaGeek :
The Blue Cash Preferred is only better if you're the type that only wants one card, a convenience you'll pay for, and kind of stupid since it's a good idea to have at least a couple cards in case one gets lost or stolen. Also, having any Amex as your only card would be stupid since there are still places that don't accept it, especially outside the US. Which brings up the fact that the BCP charges a foreign transaction fee so it's not a good card for travel.

In short, you're better off with multiple cards, the Custom Cash is a good one, and the BCP can be beat by having other cards in addition (US Bank has a card that gets 5% on streaming with no annual fee).
So it seems like department stores are not one of their categories? I won't get 5% even if it's a local department store?
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