topic <ptatohed>, Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purchases. in Credit Cards

, Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purchases.

ptatohed — Sat, 03 Sep 2022 07:45:31 GMT

I receive an e-mail with the subject line the same as this thread's. It was one-click activation. Easy, and done.

Congratulations, <ptatohed>, You've Activated the Offer!

Starting with your next purchase, you’ll earn an additional 1 ThankYou® Points per $1 spent, up to 2,500 points, now through 11/30/2022, when you use your Citi Custom CashSM Card on eligible purchases.

My question is this. As many of us here do, we use citi CC as a 5% CB 'gap filler', per quarter, based on a category we might otherwise be missing 5% CB on with our 5% rotators. Thus, for this current quarter (Q3, Jul - Sep '22), I have designated my CC to groceries. Well, per the e-mail, the extra TY points are on the categories listed below. Where I am confused is, does 'favorite retailers' cover grocery stores?

✓ Shopping at your favorite retailers

✓ Restaurants

✓ Computer and Electronics

Thank you.

Re: , Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purc

AndySoCal — Sat, 03 Sep 2022 16:30:46 GMT

receieved the same offer as well. I have activated the offer.

Re: , Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purc

James3 — Sat, 03 Sep 2022 19:11:03 GMT

I may have to see if I can product change my Citi Double Cash card to this card. The Double Cash card is disappointing, especially as one of my 1% cashback cards now offers a flat 2% cash back on everything.

Re: , Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purc

OmarGB9 — Sat, 03 Sep 2022 19:54:48 GMT

I'm no Citi expert by any means, but I would think favorite retailers would be clothing/homegood stores, NOT grocery stores.

Re: , Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purc

ptatohed — Sun, 04 Sep 2022 00:11:37 GMT

@OmarGB9 wrote:
I'm no Citi expert by any means, but I would think favorite retailers would be clothing/homegood stores, NOT grocery stores.

I was afraid of that and I bet you are right. Thanks. Oh well.

Re: , Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purc

DJRobbieD — Sun, 04 Sep 2022 01:24:21 GMT

@ptatohed I received a similar offer last week on my CCC with the following language:

I interpret it to mean ANY purchases the card with the above types of merchants just examples. The fine print footnote 1 doesn't mention specific categories.

Re: , Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purc

ptatohed — Sun, 04 Sep 2022 01:31:58 GMT

@DJRobbieD wrote:
@ptatohed I received a similar offer last week on my CCC with the following language:

I interpret it to mean ANY purchases the card with the above types of merchants just examples. The fine print footnote 1 doesn't mention specific categories.

You might be right @DJRobbieD . The words 'such as' would lead us to believe there are more categories beyond the ones listed. But now I am jealous, you got an offer for 4 additional points, mine was only for 1! Nice score for you.

Re: , Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purc

DJRobbieD — Sun, 04 Sep 2022 02:30:43 GMT

@ptatohed my CCC was dormant for several months after I hit the SUB spend, so I guess this is their way enticing me to dust off the card. The 2,500 TYP cap on the offer equates to $625 spend, so I'll couple the offer with a 5% category for a couple billing cycles to get a 9% effective cash back rate on that spend

Re: , Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purc

ptatohed — Sun, 04 Sep 2022 04:29:08 GMT

@DJRobbieD wrote:
@ptatohed my CCC was dormant for several months after I hit the SUB spend, so I guess this is their way enticing me to dust off the card. The 2,500 TYP cap on the offer equates to $625 spend, so I'll couple the offer with a 5% category for a couple billing cycles to get a 9% effective cash back rate on that spend

Ok, now you are just downright bragging! lol

Re: , Use Your Citi Custom Cash Card and Earn Extra ThankYou Points on Eligible Purc

CL-Addiq — Sun, 04 Sep 2022 13:27:39 GMT

@DJRobbieD wrote:
@ptatohed my CCC was dormant for several months after I hit the SUB spend, so I guess this is their way enticing me to dust off the card. The 2,500 TYP cap on the offer equates to $625 spend, so I'll couple the offer with a 5% category for a couple billing cycles to get a 9% effective cash back rate on that spend

I highly doubt it works this way. I recently got a similar offer for 5% back at PayPal on my Double Cash and was disappointed to see on my monthly statement that I had earned 1 point per dollar on everything except PayPal and then a special offer category with 4 points per dollar on PayPal spend. I definitely did not get the 7% back I expected.

I think the "in addition to" should be interpreted as an additional way to earn points and not as a way to stack them.