You should keep the Custom Cash.
1) You never know when a card you have and use,
will have it's rewards or AF changed.
2) You can get a few bonus points on your Fico scores, if needed by AZEO
3) It is one, if not the best "Extra" card because it has a lot of
categories, 5% rewards, reasonable cap, and "No" AF.
Three is an excellent simple card set.
Enjoy, a nice 3 card lineup 
Normally I would advise someone to crunch the numbers on the BCP and, unless you are maxing out the grocery and spending more than $3500/yr on streaming, I think you'll find you are earning 4.X% (and 2.X% on gas) and no AF 5% cards would be better. Since you want less cards, not more, I won't make this recommendation since it would require you to obtain a few new 5% cards to do better. But do keep in mind, you are not earning an effective 6% CB on grocery or streaming (and not an effective 3% on gas).
Good luck!
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@dudley wrote:Hi, everyone.
In my old age (72), I have cut down to only three credit cards: Chase Freedom Unlimited, AMEX BCP, and Citi Custom Cash.
I use Chase for everything, including restaurants and dining for the 3% in those categories. I use AMEX BCP for 6% groceries, 3% gas and 6% Netflix.
I am more of a two card user, and those are my oldest cards (2001 and 2002).
I also have the Citi Custom Cash (2018) and I am well aware that you can have one category at 5%. I do not want to use it for dining or drugstores, which are two of the possible 5% categories. None of the other categories are of use to me, except perhaps groceries at the end of the year, for a couple of times, if I hit the AMEX BCP $6000 grocery spending cap early.
Should I sockdrawer the CITI card, or get rid of it, which will take me down to two cards? Or should I use it for gas? It is really an unnecessary card (to me), but I have it.
Also, I do not want to product-trade any cards or apply for any more. Inmy deep, dark past, I have have as many as 17 cards at one time, and it is now more a relief to have 2-3 cards. Much less work.
Sorry for the length of this question.
I agree with @Kforce that you should keep it. It's a good card.
This is one of the dilemmas when someone chooses to have their feet on both sides between cash back vs. points/miles. It makes determining the “value” more challenging. And mentally you can get torn between the two even with hard numbers pointing you toward a logical path. As has been pointed out, any card with an annual fee makes the actual value a more complicated calculation.
All that said, you sound like you want to keep things simple and not change the current set up much (not looking at new cards that could provide an even higher return). The Citi Custom Cash is a great card for anyone with even a toe in the cash back arena. Just pick one category (or even one store) and think of it as your card for that just to keep it alive. With no annual fee it costs you nothing to cherry pick with it where/when it suits you.
As mentioned, a 3 card set up is still pretty simple. Many of us in this for the long game have been burned at least once by card benefits and perks getting nerfed or “improved”. Think of the Citi card for you as just a small bit of insurance to carry you through in the case that things change in some way with your primary 2 cards - or if over time you decide to lean more toward cash back you already have one of the best cards in that kind of set up.
My two cents…
@G2244 wrote:This is one of the dilemmas when someone chooses to have their feet on both sides between cash back vs. points/miles. It makes determining the “value” more challenging. And mentally you can get torn between the two even with hard numbers pointing you toward a logical path. As has been pointed out, any card with an annual fee makes the actual value a more complicated calculation.
Did the OP say they were on both sides?? Seems like all CB to me.
@ptatohed wrote:
@G2244 wrote:This is one of the dilemmas when someone chooses to have their feet on both sides between cash back vs. points/miles. It makes determining the “value” more challenging. And mentally you can get torn between the two even with hard numbers pointing you toward a logical path. As has been pointed out, any card with an annual fee makes the actual value a more complicated calculation.
Did the OP say they were on both sides?? Seems like all CB to me.
Good call out. I was seeing the Chase one and thinking (maybe very incorrectly) that they were in the Chase point ecosystem. If not, all the more reason to use the Citi card for something as the Chase card only gives 3% back for restaurants as just one example. The Citi would give 5%.
