topic Re: Which Citi card to PC? in Credit Cards

Which Citi card to PC?

NoMoreE46 — Fri, 27 Sep 2024 17:43:21 GMT

I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.

I was given this list of Eight No AF cards that are eligible to PC. Eight is a lot to me.

I thought my situation would be a great topic to get guidance on from y'all in the Community.

I do have a $12,000 Custom Cash that was for just for groceries. However, I upgraded to the Amex BCP that will replace the CCC on groceries.

Which of these eight would you PC to and why?

TIA

1) American Airline Miles +AAdvantage MileUp (410)

2) Cash Back Costco Anywhere Visa® (520)

3) My Deals +Citi Diamond Pfd (257)

4) ThankYou Preferred (084)

5) Double Cash (142)

6) AT&T Access Credit (457)

7) Custom Cash (416)

8) Rewards+ (408)

Re: Which Citi card to PC?

NoHardLimits — Fri, 27 Sep 2024 17:56:53 GMT

@NoMoreE46 wrote:

I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.
I was given this list of Eight No AF cards that are eligible to PC. Eight is a lot to me.

I thought my situation would be a great topic to get guidance on from y'all in the Community.
I do have a $12,000 Custom Cash that was for just for groceries. However, I upgraded to the Amex BCP that will replace the CCC on groceries.

Which of these eight would you PC to and why?
TIA

1) American Airline Miles +AAdvantage MileUp (410) easy way to keep AA miles alive (AA miles still have expiration dates)
2) Cash Back Costco Anywhere Visa® (520) only if you already have a Costco membership and don't mind a product change dead end (can't product change away from a Costco card)
3) My Deals +Citi Diamond Pfd (257)
4) ThankYou Preferred (084)
5) Double Cash (142) if you don't already have another catch all card earning 2% or more
6) AT&T Access Credit (457)
7) Custom Cash (416) if you have another higher spend 5% category not already covered by your existing Custom Cash
8) Rewards+ (408) point roundup in 10 point increments and 10% points back at redemption

Comments in red above.

Re: Which Citi card to PC?

ptatohed — Fri, 27 Sep 2024 20:22:51 GMT

@NoMoreE46 wrote:

I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.
I was given this list of Eight No AF cards that are eligible to PC. Eight is a lot to me.

I thought my situation would be a great topic to get guidance on from y'all in the Community.
I do have a $12,000 Custom Cash that was for just for groceries. However, I upgraded to the Amex BCP that will replace the CCC on groceries.

Which of these eight would you PC to and why?
TIA

1) American Airline Miles +AAdvantage MileUp (410)
2) Cash Back Costco Anywhere Visa® (520)
3) My Deals +Citi Diamond Pfd (257)
4) ThankYou Preferred (084)
5) Double Cash (142)
6) AT&T Access Credit (457)
7) Custom Cash (416)
8) Rewards+ (408)

What do the numbers in parenthesis mean?

You can never have too many Custom Cashes!

Re: Which Citi card to PC?

Kforce — Fri, 27 Sep 2024 20:56:23 GMT

@ptatohed wrote:
You can never have too many Custom Cashes!

^^^^ This would also be my pick

Re: Which Citi card to PC?

crystal626 — Fri, 27 Sep 2024 21:28:40 GMT

I love the flexibility of the Custom Cash.

Re: Which Citi card to PC?

NoMoreE46 — Fri, 27 Sep 2024 22:03:51 GMT

Good oberservation @ptatohed.

I am guessing these paranthesized numbers are the internal identifying codes for the cards. I copied and pasted the list above from my chat session.

BTW, I am including the interesting Header that preceded the list of eight from the chat:

Available Products: * Full Pend method

+ 2 Step method_Immediate method

Re: Which Citi card to PC?

unsungivy — Sat, 28 Sep 2024 02:23:12 GMT

@NoMoreE46 wrote:

I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.
I was given this list of Eight No AF cards that are eligible to PC. Eight is a lot to me.

I thought my situation would be a great topic to get guidance on from y'all in the Community.
I do have a $12,000 Custom Cash that was for just for groceries. However, I upgraded to the Amex BCP that will replace the CCC on groceries.

Which of these eight would you PC to and why?
TIA

1) American Airline Miles +AAdvantage MileUp (410)
2) Cash Back Costco Anywhere Visa® (520)
3) My Deals +Citi Diamond Pfd (257)
4) ThankYou Preferred (084)
5) Double Cash (142)
6) AT&T Access Credit (457)
7) Custom Cash (416)
8) Rewards+ (408)

Uh, you do know that mathwise the CCC is a better Grocery card than the BCP, unless you have the AF waived ATM.

Definitely another Custom Cash.

Re: Which Citi card to PC?

NoMoreE46 — Sat, 28 Sep 2024 03:23:29 GMT

Yes, thanks @unsungivy. The AF for the first year is waived.

@unsungivy wrote:
Uh, you do know that mathwise the CCC is a better Grocery card than the BCP, unless you have the AF waived ATM.

Definitely another Custom Cash.

Re: Which Citi card to PC?

ptatohed — Sat, 28 Sep 2024 06:19:07 GMT

@unsungivy wrote:
@NoMoreE46 wrote:

I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.
I was given this list of Eight No AF cards that are eligible to PC. Eight is a lot to me.

I thought my situation would be a great topic to get guidance on from y'all in the Community.
I do have a $12,000 Custom Cash that was for just for groceries. However, I upgraded to the Amex BCP that will replace the CCC on groceries.

Which of these eight would you PC to and why?
TIA

1) American Airline Miles +AAdvantage MileUp (410)
2) Cash Back Costco Anywhere Visa® (520)
3) My Deals +Citi Diamond Pfd (257)
4) ThankYou Preferred (084)
5) Double Cash (142)
6) AT&T Access Credit (457)
7) Custom Cash (416)
8) Rewards+ (408)
Uh, you do know that mathwise the CCC is a better Grocery card than the BCP, unless you have the AF waived ATM.

Definitely another Custom Cash.

I was thinking the same thing but I've said it too many times so I bit my tongue. But, yeah, no AF first year does make sense.

Re: Which Citi card to PC?

Kforce — Sat, 28 Sep 2024 15:24:42 GMT

@ptatohed wrote:
I was thinking the same thing but I've said it too many times so I bit my tongue. But, yeah, no AF first year does make sense.

^^^^

Did the exact same thing.

Bit my tongue.

Re: Which Citi card to PC?

Anonymous — Sat, 28 Sep 2024 15:26:47 GMT

In my situation I would PC to another CCC

Unless I had PCed a Rewards+ to a 2nd CCC then I would PC to a Rewards+

Re: Which Citi card to PC?

unsungivy — Sat, 28 Sep 2024 16:56:14 GMT

@Kforce wrote:
@ptatohed wrote:
I was thinking the same thing but I've said it too many times so I bit my tongue. But, yeah, no AF first year does make sense.
^^^^
Did the exact same thing.
Bit my tongue.

Pfft. I will post FOR YOU! Muahaha!

Re: Which Citi card to PC?

NoMoreE46 — Sat, 28 Sep 2024 23:33:23 GMT

Thanks for this useful summary @NoHardLimits .

@NoHardLimits wrote:
@NoMoreE46 wrote:

I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.
I was given this list of Eight No AF cards that are eligible to PC. Eight is a lot to me.

I thought my situation would be a great topic to get guidance on from y'all in the Community.
I do have a $12,000 Custom Cash that was for just for groceries. However, I upgraded to the Amex BCP that will replace the CCC on groceries.

Which of these eight would you PC to and why?
TIA

1) American Airline Miles +AAdvantage MileUp (410) easy way to keep AA miles alive (AA miles still have expiration dates)
2) Cash Back Costco Anywhere Visa® (520) only if you already have a Costco membership and don't mind a product change dead end (can't product change away from a Costco card)
3) My Deals +Citi Diamond Pfd (257)
4) ThankYou Preferred (084)
5) Double Cash (142) if you don't already have another catch all card earning 2% or more
6) AT&T Access Credit (457)
7) Custom Cash (416) if you have another higher spend 5% category not already covered by your existing Custom Cash
8) Rewards+ (408) point roundup in 10 point increments and 10% points back at redemption

Comments in red above.

Re: Which Citi card to PC?

UncleB — Mon, 30 Sep 2024 03:20:51 GMT

Do you plan to keep the BCP once the AF hits on it next year? If so, the AF will drop the cash back to below 5%, and that's if you hit $6k exactly.

Also keep in mind that PCs to the Custom Cash tend to come-and-go, so this time next year it might not even be an option (or of course, it might).

My vote would probably be for the Custom Cash, since even outside of groceries there's a lot of useful categories. I have two, and I consider one my de facto Home Depot card, LOL. I've not been to Home Depot in a couple of months, but just this weekend I ran up a bill in a parking deck so I used the CC, which triggered the 'transit' category.

For me the CC is a 'semi-catch-all' before I get to the end-of-the-line 'catch-all', which is a Double Cash.

Of course a Rewards+ adds 10% to all redemptions, but I would *not* PC to the Rewards+. I'd do a fresh app for that; you don't need much of a credit line since you likely won't be using it much (it's only real value is triggering the extra 10%, or for micro-purchases).

Just my 2¢.

Re: Which Citi card to PC?

NoMoreE46 — Tue, 01 Oct 2024 00:31:28 GMT

Thanks for your additional insight UB. I do plan to keep my BCP into year 2.

@UncleB wrote:
Do you plan to keep the BCP once the AF hits on it next year? If so, the AF will drop the cash back to below 5%, and that's if you hit $6k exactly.

Also keep in mind that PCs to the Custom Cash tend to come-and-go, so this time next year it might not even be an option (or of course, it might).

My vote would probably be for the Custom Cash, since even outside of groceries there's a lot of useful categories. I have two, and I consider one my de facto Home Depot card, LOL. I've not been to Home Depot in a couple of months, but just this weekend I ran up a bill in a parking deck so I used the CC, which triggered the 'transit' category.

For me the CC is a 'semi-catch-all' before I get to the end-of-the-line 'catch-all', which is a Double Cash.

Of course a Rewards+ adds 10% to all redemptions, but I would *not* PC to the Rewards+. I'd do a fresh app for that; you don't need much of a credit line since you likely won't be using it much (it's only real value is triggering the extra 10%, or for micro-purchases).

Just my 2¢.

Re: Which Citi card to PC?

NoMoreE46 — Wed, 02 Oct 2024 13:45:38 GMT

Thanks again to all of the replies.
So a 2nd CCC it will be then.
Wishlist to Citi - Allow CL combinations!

(fyi @unsungivy , @ptatohed and @Kforce - there is a strategy to get Amex to extend the $0 AF offer beyond year 1 for the BCP.)

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