Re: Multiple Citi Custom Cash Cards?

NRB525 · ‎02-05-2022

@FinStar wrote:
@Anonymous wrote:
@FinStar wrote:
Data points are welcome around these parts @Anonymous. I haven't tried a PC recently because I didn't see the need for 2 Custom Cash account for my needs. But, in your situation, it won't hurt to try. Just let us know or update your thread with the results.

Out of curiosity, which card(s) were you potentially thinking of doing the PC from? When I tried, it allowed me to do it from either the Rewards+ and Diamond Preferred. Of course, I didn't go through with it, but it was interesting to see which products it allowed my specific Citi profile to change things up. The agent informed me that I wouldn't be eligible for the SUB, which I expected.
I would be product changing first the Citi AA Executive because the AF hits on Feb 22nd and then the Citi Premier down the road. I know I won't be eligible for the SUB if they allow my PC to go through. I currently have 5 Citi cards which would also include, like I said, the Citi DC, the Custom Cash and the MileUp which was a result of when I downgraded my old Citi AA Platinum.
I mean, I will have to call Citi anyway to downgrade these cards to something, haha! I will keep you guys posted anyway. If they allow me to have two DCs, for whatever reason, I will probably cancel the one I currently have as the CL is only $3.6k and then PC the AA Executive to a DC as that one has a $10k CL.
Ah gotcha.

I would definitely try your MileUp card first to test and see whether the PC to Custom Cash is possible, if not, then try your AA Executive and then TY Premier. They will definitely tell you what eligible products are available, if anything.

You can definitely try whichever strategy works best for you and I'd be curious to see what results you'd get. Worse case scenario, you can always downgrade to other products like MileUp (you can have multiple), Rewards+, Diamond Preferred or whatever suits your needs.

My Citi journey the last few years included my first AA $95 card in 2015. PC'd that to MileUp a few years ago to avoid the AF. Then when Custom Cash came out, PC'd the MileUp to CC. I know others have had challenges moving other cards to Custom Cash. MileUp to CC was seamless for me.

I specify a "first AA card" because at that time there was a quirk you could get multiple AA cards, with SUB, in a short time of new apps, which led to my second AA card a few months later. So, yeah, sometimes you just have to try the weird combinations with Citi.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

okurosetta · ‎02-05-2022

@AverageJoesCredit wrote:
If people had 2 CCC cards, lol, this forum would be lit with people enjoying 2 5% fillers. For some of us getting just one is hard enough. Ive apped for it out of curiosity and denied. Yet Citi currently offers me a pc to it haha.

Right with you there, Citi gave me my last two declines, most recently a few months ago for Custom Cash. My current thought is if I eat a third Citi decline when I apply next (mid-July) that I'll just PC to it, even if I have to PC my Double Cash to something else first, then just grab a different 2% card. So yeah, for me just getting one has been hard enough

Cashback | Affinity FCU Cash Rewards - $7,500 | 5% Cashback Amazon & Bookstores

Cashback | Chase Amazon Prime - $8,500 | 5% Cashback Amazon

Cashback | Citi Shop Your Way - $1,400 | 5% gift card value Gas, targeted spend offers

Cashback | Discover It - $10,000 | 5% Cashback Quarterly Rotating

Cashback | Elan MCP via Harborstone - $2,000 | 5% Internet & Utilities

Cashback | Elan MCP via SouthState - $4,000 | 5% Cashback Recreation & Utilities

Cashback | Navy Federal Platinum - $50,000 | 12.24% APR - Lowest APR card, in case of emergency

Cashback | OnePay CashRewards via Synchrony - $7,000 | 5% cashback Walmart for Walmart+ subscribers

Cashback | PayPal - Debit | 5% on one chosen category on up to $1k/month, used to be used for Walmart+ orders

Cashback | PenFed Pathfinder - $10,000 | $100 ancillary domestic airline credit

Cashback | PenFed Pathfinder - $15,000 | $100 ancillary domestic airline credit

Cashback | Target Circle Card via TD Bank - $2,000 | 5% Discount Target

Cashback | USAA Cashback Rewards Plus - $12,000 | 5% Gas

Cashback | USAA Preferred Cash Rewards - $10,000 | Oldest account by far, kept active with recurring charge

Alaska Mileage Plan | Bank of America Alaska Mileage Plan - $20,000 | Annual Companion Pass (grandfathered no spend required), Checked bag(s) included

Amtrak Guest Rewards | FNBO Amtrak Guest Rewards Preferred - $20,400 | 3X AGR Amtrak, 2X AGR Travel & Transit, Annual Companion Pass

Amex MR | American Express Blue Business Plus - $20,000 | 2X MR non-category

Amex MR | American Express Charles Schwab Platinum - NPSL | 5X MR Flights, 5X MR pre-paid bookings on amextravel, Useful Coupon Book Credits (most not valued near face value

Bilt Rewards | WF Bilt Rewards - $15,000 | 3X Dining (post $500 on Custom Cash), Rent Day bonuses

C1 VM | Capital One VentureOne - $10,000 | Kept open to transfer P2's VM to my VM account before transferring to partners

Choice Privileges | Wells Fargo Choice Privileges Select - $14,000 | 10X Choice, 5X Home Improvement Stores, 30k anniversary bonus

Citi TYP | Citi Custom Cash - $7,000 | 5.55X TYP Top Category (Gas)

Citi TYP | Citi Custom Cash - $6,900 | 5.55X TYP Top Category (Dining)

Citi TYP | Citi Double Cash - $13,700 | 2.22X TYP all

Citi TYP | Citi Rewards+ - $6,200 | Used for small purchases and 10% TYP refund

Citi TYP | Citi Strata Elite - $15,500 | Primarily for SUB / maximizing Rewards+ 10% refund until it expires (for me)

Citi TYP | Citi Strata Premier - $13,700 | 3.33X TYP Gas & Hotels | Flights used in rare times Amex isn't accepted, e.g. Sun Country

Hilton Points | American Express Hilton Aspire - $10,000 | 14X HP Hilton, Diamond status, annual night certificate

Hilton Points | Amex Hilton Surpass - $20,000 | Used for $15k spend annually to unlock second certificate

Marriott Bonvoy | American Express Marriott Bonvoy Business - $5,100 | Anniversary Night Certificate

WF Go Far Rewards | Wells Fargo Autograph - $4,500 | 3X GFR Transit & Travel, 1:2 Choice transfer

0% APR | Synchrony Home - $5,600 | 0% APR on 6/12/24 months

RIP

Amex MR | Synchrony Rakuten Visa - RIP 3X Amex MR via Rakuten

Curve | Curve Credit Card - RIP being able to assign/move charges to/from Custom Cash's, Premier, and Savor (P2), as well as other Mastercards, plus dodge FTFs

Best Western Rewards | FNBO Best Western Rewards Premium - $15,400 | RIP 40k bonus points for $5k spend every 12 cycles

Cashback | Primis - Rewards Debit | RIP 50 cents back per transaction, worked out to 5% or more on $10 or less

Future

Chopping Block

Delta SkyMiles | American Express Delta Gold Business - $20,000 | Closing July 2026 unless good retention ofer available

P2

APR Bonus | Citi Retail Home Depot - $12,000 | 6 month financing on $299+ everyday, 12/18/24 month financing often

AAdvantage | Citi AAdvantage MileUp - $20,000 | PC'd from Platinum to dodge AF now that American is used less often, but easy for P2 to keep miles active

Cashback | Amex BCP - $8,000 | 6% Streaming, Disney+ Bundle Credit

Cashback | Synchrony Amazon Store Card - $6,400 | 5% Amazon

C1 VM | Capital One Savor - $10,000 (AU; grandfathered no AF version) | 4X VM Cashback Dining, Entertainment, & Streaming, 3X VM Grocery

IHG | Chase IHG Premier - $13,700 | 10X IHG, Anniversary Night Certificate

Marriott Bonvoy | American Express Marriott Bonvoy Business - $11,800 | 6X MB Marriott, Anniversary Night Certificate

Marriott Bonvoy | Chase Marriott Bonvoy Boundless - $20,000 | 6X MB Marriott, Anniversary Night Certificate

P2 Future

P2 Chopping Block

C1 VM | Capital One Venture X - $20,000 (AU) | Learned that they do not actually provide primary rental insurance for New York residents, was kept for that as basically a wash otherwise, burning miles and closing early 2026

Sonesta Travel Pass | BoA Sonesta - $19,000 | Closing August 2026, aiming to use points before then

Chase UR | Chase Sapphire Preferred - $11,800 | Closing August 2026 unless there is a refresh before then and it is positive for us

ptatohed · ‎02-05-2022

This obviously doesn't answer the OPs direct question but one way of at least getting two Citi CCs 'in the family' is for you and your spouse to each have a CC and add the other as an AU. I have not ruled this out, trust me. So far, I can get 5% on my faves (gas, grocery, dining) between my 3 rotators and my one Citi CC, and stay under the caps. But if I ever lose out on one of my faves in a quarter, mrs ptatohed may be applying for a CC!

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
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:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // 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)

Yasselife · ‎02-06-2022

Makes sense since the reward structure is different. 2 custom cash would mean 2 5% categories instead of one... OP c'mon now.

Gardening since: August 11, 2025

Anonymous · ‎02-06-2022

@Remedios wrote:
I was approved for Custom Cash and I asked about PC'ing double cash to another Custom Cash (prior to all restrictions).

Anyway, I got a chunky Nope, followed by double Nah, and one firm No just in case it wasn't clear.

So, did you get a second Custom Cash?

Anonymous · ‎02-06-2022

@Yasselife wrote:
Makes sense since the reward structure is different. 2 custom cash would mean 2 5% categories instead of one... OP c'mon now.

But several people have two Cash + cards (and now Elan Max Cash) giving 4 5% categories (with a higher 5% cap) so don't get that argument!

Multiple Citi Custom Cash Cards?

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