Citi Custom Cash Card

urluckypenny1 · ‎06-06-2023

I've been considering the Citi Custom Card due to 5% cash back at a certain category. I've seen some people use it at gas stations, which I frequent a lot due to my work.

Anyone have any experience with this card and starting credit limit and the ins and outs?

FireMedic1 · ‎06-06-2023

Has your BK fallen off yet from 2013? Was Citi burned? I have no experience with Citi cores cards. Just co-branded cards.

BK Free Aug25

M_Smart007 · ‎06-07-2023

@urluckypenny1 wrote:
I've been considering the Citi Custom Card due to 5% cash back at a certain category. I've seen some people use it at gas stations, which I frequent a lot due to my work.
Anyone have any experience with this card and starting credit limit and the ins and outs?

@urluckypenny1,

I have (2) Citi custom cash cards ..however I did not apply for them directly,

they are a result of product changes from other Citi legacy/core cards.

Citi does not really like recent inquiries and recent new accounts... IMO

You can read some Custom Cash approval's here for further DP's;

https://ficoforums.myfico.com/t5/forums/searchpage/tab/message?advanced=false&allow_punctuation=fals...

urluckypenny1 · ‎06-07-2023

Thank you for the advice and information.

NoMoreE46 · ‎06-07-2023

@urluckypenny1 .

Would you be willing to offer any of your profile? As stated, Citi does not like a lot of inquiries/apps but "a lot" can be profile dependent.

Do note that the maximum on any 5% category is $500 per statement.

JtAlmond · ‎08-12-2023

I have the CCC card which is my dedicated grocery card. I have no problems with the card and collecting my rewards. The app was a bit tricky which caused me to pay my first statement twice over. Citi promptly refunded the overpay. What's confusing is after my application during the wait time I got a letter from Citi stating my application for the card was denied because of too many recent credit inquiries on my record yet they still sent the card which I activated and am presently using.

mgood · ‎08-12-2023

Custom Cash is probably the most frequently used card in my wallet.

It's a wild card that covers whatever Chase and Discover are not giving me 5% on that quarter. Usually it's my gas stations card, and I'm spending money in gas stations every day. This quarter, both the Chase Freedom Flex and Discover it Cash back have 5% back at gas stations. Last month and this month I've been working out of town a lot, staying in motels. (Employer books and pays for motels, so I get no travel rewards ) I'm eating out a lot more than usual, nearly every evening. The Custom Cash is my restaurant card right now.

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$33,000 NFCU cashRewards Plus Visa Signature 05/25

$31,400 American Express Blue Cash Preferred 04/24

$18,900 Citi Custom Cash World Elite Mastercard 07/22

$10,400 Citi Custom Cash World Elite Mastercard 11/24

$14,000 Wells Fargo Autograph Visa Signature 10/21

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$20,000 Synchrony CareCredit Rewards Mastercard 09/25

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

EQ8 783, TU8 751, EX8 765 as of June 2

AZE12 - 8% Utl - New Cards: 1/6, 2/12, 5/24

ptatohed · ‎08-13-2023

This is exactly right. Whatever your other 5% rotators don't cover in any given month/quarter? The citi CC is there to fill in. It's a very powerful card.

For me, this quarter, none of my 5% rotators - Freedom, Disco, or nusenda - covered dining so.... citi CC to the rescue.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

MarkintheHV · ‎08-13-2023

@FireMedic1 wrote:
Has your BK fallen off yet from 2013? Was Citi burned? I have no experience with Citi cores cards. Just co-branded cards.

Same here, applied for Custom Cash several times, always declined, but, applied for the AAdvantage Executive card, and they gave me 30.5K. Go figure.

In My Wallet: MS AmEx Platinum | NFCU Flagship Visa 80k | AmEx Delta Reserve 73k
Sock Drawer: AmEx Plat Biz 70k POT | Atmos Visa 41.5K | AmEx Delta Reserve Biz 27k

Lou-natic · ‎08-13-2023

@MarkintheHV wrote:
@FireMedic1 wrote:
Has your BK fallen off yet from 2013? Was Citi burned? I have no experience with Citi cores cards. Just co-branded cards.
Same here, applied for Custom Cash several times, always declined, but, applied for the AAdvantage Executive card, and they gave me 30.5K. Go figure.

That's because even though both are "Citi" they are two different divisions of the bank and are managed separately.

The Citi Custom Cash is a card so nice I got it twice. Look at that I'm a poet and didn't even know it.

8/8/25

2/16/26