Citi Custom Cash Card

[UncleB]

Citi has a new product offering, the Custom Cash Card.

From the website:

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter

5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.²

Earn unlimited 1% cash back on all other purchases

Sign-up bonus info:

Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening.²

This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Get 0% Intro APR for 15 months on purchases and balance transfers. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.* Balance Transfers must be completed within 4 months of account opening.

Balance Transfer Fee: Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater.*

Citi will only issue one Citi Custom Cash℠ Card account per person. You will qualify for the bonus offer only if you have not received a bonus offer for opening a new Citi Custom Cash℠ Card in the past 48 months.

Direct link:  https://www.citi.com/credit-cards/citi-custom-cash-credit-card 

[simplynoir]

This is actually pretty good for a card. In fact I'm downright suspicious lol

Anyone know Citi's rules for PCing to new releases? Thinking of maybe changing my Diamond Preferred to this

[UncleB]

This is an interesting new offering.  For those who have modest spend in a category like groceries, it might be a good fit. 

A few things are notable; 'Bookstores' is not a category (so no 5% off Amazon - a comparison to the old Sallie Mae came to mind here) and Walmart is excluded from the grocery category. 

I have too much recent activity to apply for it, but I might consider doing a PC of my Rewards+ MasterCard if they'll let me.  I'll have to think about that a bit. 🤔

[Brian_Earl_Spilner]

Welcome to the new FOTM

[UncleB]

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@simplynoir wrote:

This is actually pretty good for a card. In fact I'm downright suspicious lol

Anyone know Citi's rules for PCing to new releases? Thinking of maybe changing my Diamond Preferred to this

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Great minds think alike!  I'm thinking of PCing my Rewards+.

[TheBoondocks]

Wow I'm very amazed! How long could this card last tho?

[simplynoir]

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@TheBoondocks wrote:

Wow I'm very amazed! How long could this card last tho?

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It's basically a Freedom/Flex/Discover IT/*insert 5% rotating category card* so forever? I don't see this going away at all

[CarbonCard]

Dang it, I took a break from myFICO Forums for a few months and the first thread I see is about a tempting new product by Citi lmao 🤣

[simplynoir]

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@UncleB wrote:

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@simplynoir wrote:

This is actually pretty good for a card. In fact I'm downright suspicious lol

Anyone know Citi's rules for PCing to new releases? Thinking of maybe changing my Diamond Preferred to this

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Great minds think alike!  I'm thinking of PCing my Rewards+.

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Indeed, @Remedios would be proud 😂

If I was one to take advantage of BT offers and the like I'd keep the DP but the small spending offers they send aren't enticing enough compared to the rewards structure of this card

[TheBoondocks]

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@simplynoir wrote:

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@TheBoondocks wrote:

Wow I'm very amazed! How long could this card last tho?

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It's basically a Freedom/Flex/Discover IT/*insert 5% rotating category card* so forever? I don't see this going away at all

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Sounds about right! Dang gonna have to cop this!