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Which Citi card to PC?

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NoMoreE46
Community Leader
Senior Contributor

Which Citi card to PC?

 


I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.

I was given this list of Eight No AF cards that are eligible to PC.   Eight is a lot to me.


I thought my situation would be a great topic to get guidance on from y'all in the Community.

I do have a $12,000 Custom Cash that was for just for groceries.  However, I upgraded to the Amex BCP that will replace the CCC on groceries. 


Which of these eight would you PC to and why? 

TIA

 

 

1) American Airline Miles +AAdvantage MileUp (410)

2) Cash Back Costco Anywhere Visa®  (520)

3) My Deals +Citi Diamond Pfd (257)

4) ThankYou Preferred (084)

5) Double Cash  (142)

6) AT&T Access Credit (457)

7) Custom Cash (416)

8) Rewards+ (408)

 

 

Message 1 of 16
15 REPLIES 15
NoHardLimits
Valued Contributor

Re: Which Citi card to PC?


@NoMoreE46 wrote:

 


I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.

I was given this list of Eight No AF cards that are eligible to PC.   Eight is a lot to me.


I thought my situation would be a great topic to get guidance on from y'all in the Community.

I do have a $12,000 Custom Cash that was for just for groceries.  However, I upgraded to the Amex BCP that will replace the CCC on groceries. 


Which of these eight would you PC to and why? 

TIA

 

 

1) American Airline Miles +AAdvantage MileUp (410) easy way to keep AA miles alive (AA miles still have expiration dates)

2) Cash Back Costco Anywhere Visa®  (520) only if you already have a Costco membership and don't mind a product change dead end (can't product change away from a Costco card)

3) My Deals +Citi Diamond Pfd (257)

4) ThankYou Preferred (084) 

5) Double Cash  (142) if you don't already have another catch all card earning 2% or more

6) AT&T Access Credit (457)

7) Custom Cash (416) if you have another higher spend 5% category not already covered by your existing Custom Cash

8) Rewards+ (408) point roundup in 10 point increments and 10% points back at redemption

 

 


Comments in red above.

June 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Revolving Accounts: 0/6, 1/12, 2/24 | Util: 1%
Message 2 of 16
ptatohed
Senior Contributor

Re: Which Citi card to PC?


@NoMoreE46 wrote:

 


I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.

I was given this list of Eight No AF cards that are eligible to PC.   Eight is a lot to me.


I thought my situation would be a great topic to get guidance on from y'all in the Community.

I do have a $12,000 Custom Cash that was for just for groceries.  However, I upgraded to the Amex BCP that will replace the CCC on groceries. 


Which of these eight would you PC to and why? 

TIA

 

 

1) American Airline Miles +AAdvantage MileUp (410)

2) Cash Back Costco Anywhere Visa®  (520)

3) My Deals +Citi Diamond Pfd (257)

4) ThankYou Preferred (084)

5) Double Cash  (142)

6) AT&T Access Credit (457)

7) Custom Cash (416)

8) Rewards+ (408)

 

 


 

What do the numbers in parenthesis mean?

 

You can never have too many Custom Cashes!  

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)
Message 3 of 16
Kforce
Senior Contributor

Re: Which Citi card to PC?


@ptatohed wrote:

You can never have too many Custom Cashes!  


^^^^ This would also be my pick

Message 4 of 16
crystal626
Established Contributor

Re: Which Citi card to PC?

I love the flexibility of the Custom Cash.

6/19/2026

EX8 760
EQ8 787
TU8 782


18 cards TCL $232,250 ACL $12,902
Message 5 of 16
NoMoreE46
Community Leader
Senior Contributor

Re: Which Citi card to PC?

Good oberservation  @ptatohed.

I am guessing these paranthesized numbers are the internal identifying codes for the cards.   I copied and pasted the list above from my chat session.  

 

BTW, I am including the interesting Header  that preceded the list of eight from the chat:

 

Available Products: * Full Pend method

+ 2 Step method_Immediate method

 

Message 6 of 16
unsungivy
Valued Contributor

Re: Which Citi card to PC?


@NoMoreE46 wrote:

 


I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.

I was given this list of Eight No AF cards that are eligible to PC.   Eight is a lot to me.


I thought my situation would be a great topic to get guidance on from y'all in the Community.

I do have a $12,000 Custom Cash that was for just for groceries.  However, I upgraded to the Amex BCP that will replace the CCC on groceries. 


Which of these eight would you PC to and why? 

TIA

 

 

1) American Airline Miles +AAdvantage MileUp (410)

2) Cash Back Costco Anywhere Visa®  (520)

3) My Deals +Citi Diamond Pfd (257)

4) ThankYou Preferred (084)

5) Double Cash  (142)

6) AT&T Access Credit (457)

7) Custom Cash (416)

8) Rewards+ (408)


Uh, you do know that mathwise the CCC is a better Grocery card than the BCP, unless you have the AF waived ATM. 

 

Definitely another Custom Cash. 

AU - Sock - On my
Biz - Debit Cards -
Message 7 of 16
NoMoreE46
Community Leader
Senior Contributor

Re: Which Citi card to PC?

Yes, thanks @unsungivy.  The AF for the first year is waived.

 

 


@unsungivy wrote:


Uh, you do know that mathwise the CCC is a better Grocery card than the BCP, unless you have the AF waived ATM. 

 

Definitely another Custom Cash. 



    

Message 8 of 16
ptatohed
Senior Contributor

Re: Which Citi card to PC?


@unsungivy wrote:

@NoMoreE46 wrote:

 


I am most likely going to cancel my AA Platinum Select card ($13300) as the AF has hit.

I was given this list of Eight No AF cards that are eligible to PC.   Eight is a lot to me.


I thought my situation would be a great topic to get guidance on from y'all in the Community.

I do have a $12,000 Custom Cash that was for just for groceries.  However, I upgraded to the Amex BCP that will replace the CCC on groceries. 


Which of these eight would you PC to and why? 

TIA

 

 

1) American Airline Miles +AAdvantage MileUp (410)

2) Cash Back Costco Anywhere Visa®  (520)

3) My Deals +Citi Diamond Pfd (257)

4) ThankYou Preferred (084)

5) Double Cash  (142)

6) AT&T Access Credit (457)

7) Custom Cash (416)

8) Rewards+ (408)


Uh, you do know that mathwise the CCC is a better Grocery card than the BCP, unless you have the AF waived ATM. 

 

Definitely another Custom Cash. 


I was thinking the same thing but I've said it too many times so I bit my tongue.  But, yeah, no AF first year does make sense.  

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)
Message 9 of 16
Kforce
Senior Contributor

Re: Which Citi card to PC?


@ptatohed wrote:

I was thinking the same thing but I've said it too many times so I bit my tongue.  But, yeah, no AF first year does make sense.  


^^^^

Did the exact same thing.

Bit my tongue.    Smiley Wink

 

Message 10 of 16
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