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Citi Custom Cash Card

nursepower
Frequent Contributor

Re: Citi Custom Cash Card

Applied for hubby who is in the 800's and got the 7-10 day message.

 

Update: They called to confirm it was hubby who applied...approved for $9400. What a weird number! 


BK DC 10/18/18
Walmart $400
Target $500
Playstation Visa $750
Petco Visa ?
Best Buy Visa $2000
Cap 1Quicksilver $2500
Ollo $2700
Kohl's $3000
Comenity $3200
Dell $4000
Skypoint FCU $5000
Last app 6/2/21



Message 111 of 236
Beast26
Frequent Contributor

Re: Citi Custom Cash Card

I'm going to take the plunge in July when Chase and Discover changes to the new quarter and gas is no longer the category.  PNC Cash Rewards is no longer a goal card now that this one is out it will take the gas slot for me.  Is 1/6, 4/12 good enough to get in with citi?  





Revolving history: 1 year 7 months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Fingerhut $500
Quicksilver $600
Discover It Miles $9,500
Chase Freedom Flex $3,200
Amazon Prime Store Card $6000
Walmart MC $2,000

Message 112 of 236
FormerCollegeDJ
Regular Contributor

Re: Citi Custom Cash Card

The more I think about it, the more I think the Citi Custom Cash Mastercard is one of the best no annual fee, rewards-focused credit cards now on the market.  It almost definitely is the most flexible.  It fits for credit card rewards chasers, but can also fit for some credit card general spenders or people who only want to use two cards (or in some cases, even just one card).

 

*Very unusually, this card can function as a 5% rewards card OR as a daily driver (for some people at least in the latter case).

 

*Perhaps even more impressively, not only can it function as a replacement to other rewards cards (say like the Amex Blue Cash Everyday on the higher rewards category side or the Chase Freedom Unlimited or even the Citi Double Cash on the flat rewards rate side), it can function as a complement to those cards (as a 5% category card on spending that isn't a 3% or more rewards category on other cards, or as a high rewards category card in combination with flat 1.5/2% rewards rate cards).

 

*It can even work in concert with cards with 3% or more rewards categories in heavy spend categories; the Custom Cash could capture 5% spend up to $500/month in a heavy spend category while a card with various 3% rewards categories, say like the Capital One SavorOne, could pick up the overflow spend in the heavy spend categories (in particular groceries, restaurants, or live entertainment with the Custom Cash/SavorOne combination), in addition to providing solid rewards in other categories.  Additionally, like most 5% rotating or selectable rewards rate cards, it can also complement other cards in that category.

 

I know from the 100+ comments in this thread in less than 8 hours many people are excited about this card, but the Custom Cash becomes an even impressive card the more you examine it (and believe me, I've been examining it a lot the last few hours).  Citi almost definitely hit a grand slam with the Custom Cash.

Playing the credit card rewards game since early May 2020.

Current credit cards:
*Discover Cash It, 10/5/94, $10,000 CL
*American Express Hilton Honors, 9/23/96, $16,500 CL
*Kohl's store card, 7/31/00, $2500 CL
*Chase Amazon Rewards Visa, 10/29/06, $7000 CL
*Citi Sears/Thank You Rewards Mastercard, 9/19/09, $2001 CL (LOL)
*Citi My Best Buy Visa, 12/29/11, $4600 CL
*Bank of America Amtrak Guest Rewards Platinum Mastercard, 10/17/15, $15,000 CL
*Bank of America AAA Member Rewards Visa, 3/9/17, $15,000 CL
*Chase Freedom Unlimited Visa, 6/29/20, $11,000 CL
*Chase Freedom Flex Mastercard, 11/9/20, $9900 CL
*Capital One SavorOne Mastercard, 3/30/21, $10,000 CL
*Wells Fargo Propel American Express, 4/11/21, $10,000 CL

Next target credit cards:
*US Bank Cash+ Visa
*Wells Fargo Active Cash Visa, PSECU Founder's Card Visa, or Chase Sapphire Preferred Visa
*Citi Custom Cash Mastercard
*Elan Financial Services Max Cash Preferred (S&T Bank Visa version)
Message 113 of 236
simplynoir
Community Leader
Super Contributor

Re: Citi Custom Cash Card

Message 114 of 236
small-giraffe
Valued Member

Re: Citi Custom Cash Card

Hm, what are the chances Citi would even remotely consider me at 4/6, 6/12, 12/24 with a 774 score and 11 year relationship?

 

Edit: Denied, bummer.

Message 115 of 236
Remedios
Moderator

Re: Citi Custom Cash Card

Only four approval threads, Starbucks card had more and that card is is good as their coffee. 

 

Get to filling those apps, I need to live vicariously through you 

Message 116 of 236
MrDisco99
Valued Contributor

Re: Citi Custom Cash Card

Well this is interesting...

 

Been trying to get a USBank Cash+ for a while and realized I need to garden and let all my apps and inquiries fall away before trying that again. My plan was to only do one app this year... my biannual Citi Premier next month.

 

I wasn't sure what I would do with my current Premier.  Hopefully by then PCs will be available and I'll switch that one to this new Custom Cash (Citi CC? CCC?) and I'll have one big happy TYP family.  I actually love that it earns TYP, which to me are worth more than cash.

 

I was REALLY hoping utilities would be a category.  If so I'd just app for this and forget about the USBank Cash+.  Ah well.

 

Interesting rewards chaser rules around this one... 48 months between SUBs and only one per customer.  I wonder if I PC to this next month if later on I can cancel or PC out of it and app for a new one for the SUB.  Also I'm guessing this won't mess with the timeline for Premier/Prestige/R+ SUBs, or vice versa?  Seems that's the case based on a strict reading of the language.

 

As for categories... Amex Gold gets my groceries and restaurants spend.  Other categories are either low or intermittent spend for me... but for no AF I can make it work.  REALLY wish they included utilities, though.

 

 

Message 117 of 236
kdm31091
Super Contributor

Re: Citi Custom Cash Card


@FormerCollegeDJ wrote:

The more I think about it, the more I think the Citi Custom Cash Mastercard is one of the best no annual fee, rewards-focused credit cards now on the market.  It almost definitely is the most flexible.  It fits for credit card rewards chasers, but can also fit for some credit card general spenders or people who only want to use two cards (or in some cases, even just one card).

 

*Very unusually, this card can function as a 5% rewards card OR as a daily driver (for some people at least in the latter case).

 

*Perhaps even more impressively, not only can it function as a replacement to other rewards cards (say like the Amex Blue Cash Everyday on the higher rewards category side or the Chase Freedom Unlimited or even the Citi Double Cash on the flat rewards rate side), it can function as a complement to those cards (as a 5% category card on spending that isn't a 3% or more rewards category on other cards, or as a high rewards category card in combination with flat 1.5/2% rewards rate cards).

 

*It can even work in concert with cards with 3% or more rewards categories in heavy spend categories; the Custom Cash could capture 5% spend up to $500/month in a heavy spend category while a card with various 3% rewards categories, say like the Capital One SavorOne, could pick up the overflow spend in the heavy spend categories (in particular groceries, restaurants, or live entertainment with the Custom Cash/SavorOne combination), in addition to providing solid rewards in other categories.  Additionally, like most 5% rotating or selectable rewards rate cards, it can also complement other cards in that category.

 

I know from the 100+ comments in this thread in less than 8 hours many people are excited about this card, but the Custom Cash becomes an even impressive card the more you examine it (and believe me, I've been examining it a lot the last few hours).  Citi almost definitely hit a grand slam with the Custom Cash.


Using it as a daily driver for all spend wouldn't make much sense; you're leaving a lot on the table since the majority of your spend will get 1%, with only one category eligible for 5%.  Most cash back cards have caps and that's fine, but like I said earlier in the thread, big purchases like travel or home improvement are frequently more than $500. As you eclipse the $500 cap you're less and less better off using the card as a daily driver.

 

I'm not as excited as you about this card, I think it's good, I don't think it's a huge game changer. Just something that fills a niche within Citi (they did not have any 5% card since the Dividend was discontinued for apps years ago). 

Message 118 of 236
Yasselife
Valued Member

Re: Citi Custom Cash Card

I'm a low spender and this card will be at the top of my list. I had an eye on upgrading the Magnet to BCP $150 bonus, no annual fee the first year and I'm still going to pass on that now that the CCB showed up.

zqjTAyRFpOtPZDi
Message 119 of 236
1GaDawg85
Valued Contributor

Re: Citi Custom Cash Card

I am living vicariously through those that apply!



FICO 5 ,4, 2 - 5/2021

FICO 8 - 5/2021

FICO 9 - 5/2021


Message 120 of 236
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