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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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+112
89,332 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 Nov 2006
L6: Expert
> bubble2 1,531 Posts
375 Reputation
sidewinder33625
11-27-2021 at 06:54 PM.
11-27-2021 at 06:54 PM.
applied from credit karma and instant approval with 811 score. i'm sure they look at more than just credit score for those who were denied with higher tier scores.
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Joined Jan 2020
L6: Expert
> bubble2 1,412 Posts
73 Reputation
SiennaDeer8270
11-27-2021 at 07:05 PM.
11-27-2021 at 07:05 PM.
Quote from Nine5617 :
Thank you for the response, gonna splurge and get a nice TV with this sweet promotion.
Why do you need a nice tv? Do you actually watch TV alot?
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Joined May 2019
L2: Beginner
> bubble2 99 Posts
10 Reputation
Nine5617
11-28-2021 at 05:26 AM.
11-28-2021 at 05:26 AM.
Quote from SiennaDeer8270 :
Why do you need a nice tv? Do you actually watch TV alot?
Got the LG C1 that's on sale right now primarily for playing PS5 games and then also watching streaming services. I don't watch live tv at all, just movies and tv shows on netflix/prime.
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Joined Feb 2012
L2: Beginner
> bubble2 56 Posts
14 Reputation
mewarmo990
11-30-2021 at 01:58 AM.
11-30-2021 at 01:58 AM.
Applied directly on Citi site, instantly approved for 743. Thanks for sharing, I forgot to go into a branch.
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Joined Apr 2020
L10: Grand Master
> bubble2 8,565 Posts
523 Reputation
SlickCrowd6832
12-01-2021 at 01:45 PM.
12-01-2021 at 01:45 PM.
Maybe I should get one just for gas and my wife could get one just for groceries.

We already have the Freedom and the Discover and the Citi Cash back.

My only issue is... you save up to $25 per month.... so that is up to $300 per year. I think you need to track your groceries... make sure you don't spend more then $500 per month.
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Joined Apr 2020
L10: Grand Master
> bubble2 8,565 Posts
523 Reputation
SlickCrowd6832
12-01-2021 at 01:49 PM.
12-01-2021 at 01:49 PM.
One issue is spending the $1,000.00... not as easy as you think. And when you do spend it, you kind of want it all on one category.
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Joined Nov 2011
L3: Novice
> bubble2 220 Posts
66 Reputation
debpal
12-01-2021 at 08:45 PM.
12-01-2021 at 08:45 PM.
I did a purchase at Walmart but it considered as 1% transaction category in place of grocery section
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Joined Aug 2010
L3: Novice
> bubble2 296 Posts
107 Reputation
av8r915
12-02-2021 at 02:11 AM.
12-02-2021 at 02:11 AM.
Instantly rejected, even with an 830 credit score and more than adequate income and assets (mortgage paid off, etc). Oh well.
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Joined Apr 2020
L10: Grand Master
> bubble2 8,565 Posts
523 Reputation
SlickCrowd6832
12-02-2021 at 07:38 AM.
12-02-2021 at 07:38 AM.
instant approval.

I will use this as a dedicated grocery card. And I will get my wife to sign up and we will use hers as a dedicated gas card.

We also have the Citi 2% cash back and Chase Freedom and Discover cards... that should cover me with other purchases.

Cash back rules.
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Joined Jul 2010
Expert
> bubble2 4,008 Posts
877 Reputation
mitchflorida
12-02-2021 at 11:17 AM.
12-02-2021 at 11:17 AM.
Quote from SlickCrowd6832 :
One issue is spending the $1,000.00... not as easy as you think. And when you do spend it, you kind of want it all on one category.
Probably just buy gift cards at a supermarket. I used it to pay my property taxes.
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Joined Aug 2010
L3: Novice
> bubble2 296 Posts
107 Reputation
av8r915
12-03-2021 at 08:18 AM.
12-03-2021 at 08:18 AM.
Quote from mitchflorida :
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.
Thanks for the post. I called them and unfortunately they were totally useless in my case. Basically they just said to wait for their denial letter in the mail, to explain what happened and that there was nothing else they could do regarding "reconsideration." (near perfect credit, all bills paid off on time, paid-off mortgage, etc)
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Joined Feb 2006
~ Always Spinning ~
> bubble2 4,494 Posts
1,698 Reputation
Pro
Tazmania99
12-04-2021 at 08:30 PM.
12-04-2021 at 08:30 PM.
I applied for my wife and she got instantly approved for $6900 CL. Citi said her FICO is 792 from Equifax. She's already had 3 Citi cards with $22K total credit. I was worried since Citi is notorious for denying applicants with excellent credit. But in our case everything went smoothly.
1
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Joined Jan 2020
L6: Expert
> bubble2 1,412 Posts
73 Reputation
SiennaDeer8270
12-04-2021 at 08:39 PM.
12-04-2021 at 08:39 PM.
Quote from Tazmania99 :
I applied for my wife and she got instantly approved for $6900 CL. Citi said her FICO is 792 from Equifax. She's already had 3 Citi cards with $22K total credit. I was worried since Citi is notorious for denying applicants with excellent credit. But in our case everything went smoothly.
Pretty sure this is fraud and identity theft. Punishable by jail time.
4
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Joined Jan 2020
L6: Expert
> bubble2 1,412 Posts
73 Reputation
SiennaDeer8270
12-04-2021 at 08:42 PM.
12-04-2021 at 08:42 PM.
Quote from SlickCrowd6832 :
instant approval.

I will use this as a dedicated grocery card. And I will get my wife to sign up and we will use hers as a dedicated gas card.

We also have the Citi 2% cash back and Chase Freedom and Discover cards... that should cover me with other purchases.

Cash back rules.
This poster does it legally. Anyone posting they do it for their spouse is moronic. Yelling to the world I am performing an illegal activity. Idiots.
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Joined Apr 2020
L10: Grand Master
> bubble2 8,565 Posts
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SlickCrowd6832
12-05-2021 at 09:43 AM.
12-05-2021 at 09:43 AM.
Quote from SiennaDeer8270 :
This poster does it legally. Anyone posting they do it for their spouse is moronic. Yelling to the world I am performing an illegal activity. Idiots.
Yes....
I don't understand the others.... In our family we share all cards and all bank accounts, so I can kind of understand what those other posters did. BUT if I did that it would be my head, it is based on communication with our partner which those other people don't seem to have any.

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