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

+112 Deal Score
89,335 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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+112
89,335 Views
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 2010
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> bubble2 4,008 Posts
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mitchflorida
11-19-2021 at 08:42 AM.
11-19-2021 at 08:42 AM.
Quote from Wyvern1 :
mine is still pending after a week... is this odd?
You should call the citi credit card reconsideration phone number:

1-800-695-5171

Citi limits you to just two credit applications (personal and business) every 65 days, also called the "2/65" Rule.

Citi will also deny your application if you have more than six hard credit inquiries in the last six months.
Reply
Last edited by mitchflorida November 19, 2021 at 08:55 AM.
Joined Sep 2007
L4: Apprentice
> bubble2 468 Posts
89 Reputation
guho
11-19-2021 at 11:30 AM.
11-19-2021 at 11:30 AM.
In for 1. Thanks OP!
Reply
Joined May 2019
L4: Apprentice
> bubble2 334 Posts
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Chinonoco
11-21-2021 at 11:47 AM.
11-21-2021 at 11:47 AM.
Does this card have extended warranty?
Reply
Joined Jul 2011
L2: Beginner
> bubble2 40 Posts
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VictorE
11-22-2021 at 01:44 PM.
11-22-2021 at 01:44 PM.
Does anyone know/remember how long it takes for the card to come in the mail? I wanna use this card on vacation but I leave the 3rd of December.
Reply
Joined Aug 2004
...
> bubble2 9,754 Posts
5,106 Reputation
JaTaN
11-22-2021 at 01:55 PM.
11-22-2021 at 01:55 PM.
Quote from VictorE :
Does anyone know/remember how long it takes for the card to come in the mail? I wanna use this card on vacation but I leave the 3rd of December.
11/10 Instant approval for family member
11/17 Card paperwork
11/20 Got actual card

Citi did give temp card info with 10% credit limit right away (YMMV) -- was able to add that to Apple Pay while waiting for actual card
Reply
Last edited by JaTaN November 22, 2021 at 01:59 PM.
Joined May 2019
L2: Beginner
> bubble2 99 Posts
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Nine5617
11-22-2021 at 02:44 PM.
11-22-2021 at 02:44 PM.
If I buy a new laptop or TV at best buy or amazon spending $1,000 after getting this card, is that eligible for the 300 dollar intro bonus or does it have to be certain kinds of purchases?
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Joined Aug 2004
...
> bubble2 9,754 Posts
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JaTaN
11-22-2021 at 03:38 PM.
11-22-2021 at 03:38 PM.
Quote from Nine5617 :
If I buy a new laptop or TV at best buy or amazon spending $1,000 after getting this card, is that eligible for the 300 dollar intro bonus or does it have to be certain kinds of purchases?
BB/Amazon will work -- any purchase is fine
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Joined May 2019
L2: Beginner
> bubble2 99 Posts
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Nine5617
11-22-2021 at 04:19 PM.
11-22-2021 at 04:19 PM.
Quote from JaTaN :
BB/Amazon will work -- any purchase is fine
Thank you for the response, gonna splurge and get a nice TV with this sweet promotion.
Reply
Joined Nov 2016
L3: Novice
> bubble2 186 Posts
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megamils
11-23-2021 at 09:35 AM.
11-23-2021 at 09:35 AM.
I just called and adjusted my billing cycle to begin at the beginning of the month, so I can seamlessly switch between this and other 5% quarterly cards. For a hypothetical example, Jan-Mar I'll use Discover for groceries, Apr-Jun I'll use Chase, Jul-Sep I'll use this card (meanwhile I could use this card for Transit or Gas or something else the other months)
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Joined Sep 2021
L6: Expert
> bubble2 1,293 Posts
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Wyvern1
11-24-2021 at 12:41 PM.
11-24-2021 at 12:41 PM.
lol they finally approved me but gave me a $500 credit limit....

I have a high 700s credit score, a citi checking account and a Citi doublecash with a $9000 credit limit. something doesnt make sense...
1
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Joined Dec 2006
L5: Journeyman
> bubble2 882 Posts
602 Reputation
CalMan
11-24-2021 at 01:05 PM.
11-24-2021 at 01:05 PM.
Quote from Wyvern1 :
lol they finally approved me but gave me a $500 credit limit....

I have a high 700s credit score, a citi checking account and a Citi doublecash with a $9000 credit limit. something doesnt make sense...
I would suggest you ask them to Rebrand the double cash card. At worst ask them to close the double cash card account and transfer the credit limit to your new card. While your credit score may be high keep in mind they're already extending a $9,000 credit limit to you so they're going to be conservative about adding to it. Or perhaps they can flip the credit limit on the two cards or split the total credit limit between the two cards evenly.
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Joined Aug 2011
L6: Expert
> bubble2 1,658 Posts
406 Reputation
mysql
11-24-2021 at 01:07 PM.
11-24-2021 at 01:07 PM.
Quote from Wyvern1 :
lol they finally approved me but gave me a $500 credit limit....

I have a high 700s credit score, a citi checking account and a Citi doublecash with a $9000 credit limit. something doesnt make sense...
I have a $39,000 credit limit with my double cash card.

The "Your FICO Score" page on citi.com says I have a 818 rating.

But they didn't originally approve me for this amount. I've asked for a credit increase a few times.
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Joined Aug 2011
L6: Expert
> bubble2 1,658 Posts
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mysql
11-24-2021 at 01:09 PM.
11-24-2021 at 01:09 PM.
Quote from Chinonoco :
Does this card have extended warranty?
Yeah, 2 years. And if you buy at costco like I did for my 77" sony, you get 1 year factory, 1 year costco, 3 years allstate (5 years total from costco), then add 2 years from citi for a total of 7 years.
1
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Joined Sep 2021
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> bubble2 1,293 Posts
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Wyvern1
11-24-2021 at 01:37 PM.
11-24-2021 at 01:37 PM.
Quote from mysql :
I have a $39,000 credit limit with my double cash card.

The "Your FICO Score" page on citi.com says I have a 818 rating.

But they didn't originally approve me for this amount. I've asked for a credit increase a few times.
yeah citi's website says I have a fico score of like 780
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Joined Dec 2020
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> bubble2 49 Posts
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BrightSpaniel939
11-25-2021 at 08:58 PM.
11-25-2021 at 08:58 PM.
Application pending … 820 score.
Any chances for approval or pending means im already denied ?
Update : checked my online application status says approved for 7.5k
Reply
Last edited by BrightSpaniel939 November 26, 2021 at 09:22 PM.
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