Citi Custom Cash Card - Full Review
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- Опубликовано: 23 авг 2024
- In this video, I am doing a full review of the Citi Custom Cash card to see if the Citi Custom Cash is worth it. We’ll talk about how this credit card can earn up to 5% cash back, why I like this credit card, and more in this Citi Custom Cash review. Click "Show More" to see Ad Disclosure.
The Custom Cash was released last year, and in 2022 this Citi credit card has become one of the best credit cards available with no annual fee. As a cash back credit card, the Citi Custom Cash card can earn 5% cash back in your highest eligible spend category for up to $500 of spending each billing cycle. It also earns a standard 1% cash back on all other purchases.
As I explain in this video, the best feature on the Custom cash card is that it each that 5% cash back in 1 of 10 categories that can change depending on where you spend the most money on this credit card each billing cycle. This adaptability is very valuable and makes the Citi Custom Cash a great option for many people to have in their wallet.
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I applied for this card Monday 3/7. Will use it strictly for gas as my monthly is a little under $500 so long you keep your monthly under 500 for one category and the rest at 0, this card is pretty solid
Nice! And yeah exactly, that's the best way to use it!
Same bro same I live in California gas prices are crazy 😪
@@Daniel_Braun what would be starting limit for this card if credit is 760 and your highest card is 5k (Amazon prime) also have discover it with 1500 and also APPLE WITH 3k
they gave me a fixed APR after i submitted my pre qualification application. Then i submitted the real application for the card then said that my Application is still under review and they will send me an answer in 7-10 business days. Does this mean im getting approved?
@@Daniel_Braun it would be a a game changer if they removed the 500 limit, or if competitors like chase and amex created their own version of this card, they don't correct?
I do Doordash and Ubereats full time. So I applied for this card today. Got approved for a $5,000 line at a 780 credit score. Gonna use it strictly for gas to get that 5% cash back which will add up quite a bit since I deliver full time. Thank you for the information on this video! Was of great help in my decision to apply for it.
Love to hear that! Definitely sounds like a great card for the way you will use it 👍
This card should be combined with another or others one has to essentially have a 5% category, but otherwise, 1% isn't great. That being said, there's a wide range of choices, which is great. Solid work, as usual Dan.
Awesome, your interest is still an average of 16.49% wow!
The CCC is definitely a card that I want to add to my wallet sometime in the future for that guaranteed 5% cash back. Very informative video!
Great video man! I use my Citi custom cash for solely groceries and use my Citi double cash for everything else!
Great review here Daniel! I really think the Citi Custom Cash Card can provide a lot of value if you are able to isolate one specific spending category that you might not get a lot of exposure to with your credit card setup. However, need to make sure you are able to isolate this category, because spending on this card beyond getting that 5x back on that one category, isn't going to be worth it.
Thanks Matt, appreciate it man! Yeah I totally agree, that's the best way to use this card and I definitely plan to use it that way!
Love the video mate. I think its fine card to include in the long run because 5% is massive for sure and its a no annual fee, but I wouldn't want it to take a 5/24 spot and This is a card that you really want to track that first $500 each month which is prolly more than I'm willing to do with my own personal credit card strategy!
Dang, I don't know how long ago it happened, but congrats on passing 10k! That's huge man and you've been having some serious growth!
Haha yeah definitely happy to pass that milestone! Thanks so much man, couldn't have done it without the support. Keep crushing it with your channel too and now your ecom business!
Excellent overview, Daniel. You gave us several different ways to think about whether to get this card. For now, I’m passing on it. If someday I change my mind, I’ll probably use it as a gas card, as you suggested. But I don’t spend enough on gas to justify another inquiry and extending my time in 5/24 jail. Have a nice weekend.
Just got approved! $7,600 credit limit! And a $200 welcome bonus! 758 credit score. I wanted this card to add my son to it so he can use it for his everyday card. 👍🏽 thanks for the video.
What Credit bureau did they use?
@@p2o8wer Equifax I believe, but I can double check later.
Excellent review Daniel, I plan to get this card to fill up the grocery gap with my Chase cards. Once my CFU (1st year grocery end), I'm going to apply for the Citi Custom Cash over the summer. It would be nice if Chase made a copycat of the Citi Custom Cash.
This is the best video I have watched today. Thanks .
I just applied a few hours ago and got approved instantly for $3,300 at 9/24 on my 723 Experian Credit. Was very skeptical on if If it be approved, but I yoloed it as 6 of my hard inquirys drop in a few months. But yea, gonna use it mainly for gas as of now with the raise of prices.
They only care about what your x/12 looks like not x/24
@@Katrina-Winter well even worse than, I'm 9/12
@@Katrina-Winter I like his response to you, but something isn’t accurate here because if he is 9/12 then 6 inquiries aren’t falling off in a few months.
I got 9200 credit limit 770 credit
Just got one & it’s now my fav out of my other three Citi products!
Great to hear! Yeah I really like this card out of the Citi cards available so it'll be my first Citi card when I get it
Binged so many of your videos in the past few weeks! Love your videos :) Wondering if you'd be open to making a video about the amex green card!
Thanks so much for binging my videos! That really means a lot to hear you say that, I hope to keep making content that you'll enjoy! Let me know if you ever have any video ideas that you'd like to see
I just applied got approved
Very organized and informative. Thanks
Crushing it Daniel! So we’ll deserved brotha ❤️
Thanks so much man! Keep crushing it with your channel too 👍
Great review as always ! Quick unrelated question. Which Hyatt location did u stay at in Puerto Rico ? Ever since you mentioned it I’ve been on a mission to go
Picked up this card. I’ll be using for 5% on restaurants since thats my biggest spending since I still live at home. I wish I could have used it for gas instead but I think I only spend like $150-200 a month on gas so its not worth it.
My Amazon card covers 5% on Amazon which I use often and has no foreign transaction fees for when I’m abroad. Then my WF Active Cash card has me covered with 2% on everything else.
Theres some great cards out there but my current lifestyle and income don’t make the cash back or welcome offering worth it for me just yet.
I've considered this card before but not quite sure if its a fit for me. If I had a family or a car gas or grocery would be solid but I have neither (one day hopefully) Great overview as always Daniel 👊🏽
I really wish they’d also add other healthcare expenses and doctors bills as a spending category. This card would be super useful in paying off my very expensive and very unexpected appendectomy.
I love your videos! I knew in the future when I can travel more I could use credit cards to save money on travel. So going through RUclips your channel the best by far and the only one I watch now! After watching this video I should of gotten this card first. As someone who doesn’t pay rent or pay for grocery’s my number one category is shopping. Right now I need to focus on cash back to help pay my Best Buy bill on my camera and computer. I instead went with chase flex so I could get my foot in the door with chase. I knew this summer I’d be spending a lot of money so I knew I could reach the 500$ for sign up bonus. Looking on the bright side I can apply for this card next in a few months and a few years in the future when I’m more financially stable I can easily apply for the chase reserve card.
Got the citi card but forgot about the chase rule. I will be alright though. Great video, I will use this card for home improvement materials.
Great video Daniel this is David from Illinois just got citi custom cash card use it for purchasing gas. I also use my Kroger card and citi custom cash card to save on fuel expenses.
Hey Daniel, thanks so much for a great video. I agree, if you have other cards that get more than 1% back than this should just be a dedicated 5% card to what you think you will spend the most money on in that month. I think it is better than the chase freedom flex though. Right now my lineup is Chase Freedom and Discover It (I am going to just build 5% options). I was wondering though, if you could do a video on Thank you points vs Ultimate Rewards.
Thank you! btw the citi custom cash has a welcome bonus.
Great review Daniel!
Thanks so much man, appreciate it!
Thanks for this video :) If I spend in a single month $400 on groceries and $300 on auto fuel. I know I'll get $20 (5%0 on th $400, but do I even get a single penny for the $300 on gas? Or must grocery purchases be over $500 to get any interest on other categories?
Thanks for watching! So you get 5% back on up to $500 in spending in whatever your top spending category is for each monthly billing cycle. So in this case, you would get 2,000 points from groceries if that was your top spend category (equal to $20 cash back). You also get 1% back on everything else so for gas then you would get 300 points for that $300 of gas spending (equal to $3). So you could use this card as a dedicated grocery card and then maybe find another that earns more than 1% back to use as a gas card. Hope that helps!
I just got approved for the custom cash 10 days after the double cash. I have $1,700 limit in each card for a credit limit. $3,400 total with Citi.
I was thinking of getting this card and the Citi double cash cards as my first two cards out of college (I had one during college that I used and paid off on time). Do you have any recommendations of how I should apply for these two cards? Should I apply for 1 then wait a couple months, then the other? Or does it not matter? Also should I be worried about being denied if I apply?
I just applied for the Chase Freedom Unlimited and got approved. How long do you think I should wait before applying for the preferred? Thanks for the reply to my other comment!
I’m curious which Citicard is better for travel, Citi premier, or city go anywhere or American Airlines?
SCAM! buyer beware, Citi does not consider Walmart or any other major grocery as "grocery", it puts it on "other" which is not an eligible category. SCAM!
I would love to hear a citi card set up! I have the double cash card and this card. Wondering if there is a trifecta out there that’s worth it for citi!
Awesome, I definitely plan to make a video about it! I think there can be a decent Citi setup for people. I don't have any Citi cards just yet but will get some eventually
Hey Daniel I love the video keep up the good work and info :) I have a question I applied for the discover it card but I didn't get approved, what should I do? ( I have never owned a credit card in my life and I'm in college)
Any card you're thinking about getting. Search and see if there's a pre approval tool on their website before you actually apply. It'll give you a better idea if you'll be approved or not. The other option is to get a secured card.
Get the secured version
If you spend 300$ , can you do monthly installments ? Or do you have to pay back in full ?
If you spend a lot at grocery stores, isn't the Citi trifecta better than the chase Trifecta? The Chase Freedom Flex just covers groceries in one quarter right?
My mom only use credit card for online shopping. Which credit card do you think is best for her?
Cash rewards bank of america she would get 3 %
Can you do a video talking about tomo credit card??? I'm new in the credit card World and I'm starting with a chase freedom, but I want to build my credit record fast!!! That card is worthy to build a credit record???
Just got approved yesterday
Would you compare this card with the AMEX Everyday Cash card? If so, how? Thanks!
Would definitely be interested in watching a video on how to maximize your Citi Thank You points
Hi yes can you please do a citi set up with an in-depth approach to redeeming with travel partners? I’m new to the travel game and want to know how I’d get this “1.5-2 cents per point” I hear a lot about
Question? Is Walmart and target excluded from the 5% like the chase card? Also you have to spend the $500 or up to $500 to get the 5% back?
*You get 5% cash back on the first 500 dollars spent, on your top 5% spend category. In other words if you decide it's your gas card you get 5% up to the first 500 spent anything over that is 1%.*
I got thr Citi C.C. back in September 2021 and got the bonus, and to bolster up my relationship with Citi, along with my Citi D.C..... for right now the CC is just padding my credit. Right now In going after Chase UR points for a big trip in 2023....: But I'm still using these to build my relationship with Citi before I apply for the Premier at some point in the future.
Good video Daniel
Will this really work for 5% back on gas? Seems too good to be true.
Any idea if I could use this at Sam’s club for groceries?
Or could I shop at a grocery store like Kroger and buy a combination of food and gift cards?
So if I only spend it on gas will this mean I’ll get 5% on gas only itself? Or will I have to spend in other different categories to make gas my #1 category while spending in the other ones?
If you spend $0 on other categories and only on gas then you'll still get 5% on gas as you #1 category! That's exactly what I plan to do with this card when I get it
I definitely would like to know more about the city card setup
Yeah im currently thinking on getting this card specifically just for gas and making it my gas card. I spend about 200 each month on gas and my wife does around the same.
I got the Citi Custom Cash after a product change from Citi TYP a couple of years ago. I could apply for a Citi Premier and after a year, I want to downgrade that to another Citi Custom Cash. Would that be possible? Or will Citi ask me to change to some other alternative (like the Rewards+ card)?
Can you do a video on which credit card has the best iPhone app?
Yeah I can try to make some sort of video like that! I really like SoFi's app where the 2% SoFi credit card in managed
I have 12 accounts so far none have ever asked my to send them my irs papers and citi has? I have citi bestbuy why would citi ask for it?
So I have the Double Cash and I applied for the Custom Cash and I was denied, which was very surprising, given I was already a customer. Well that was a few months ago. Today I checked the mail and I got invited to switch from the double cash to the custom cash 😂 needless to say I will be switching and this will be my gas card now and it’ll be my highest category every month (I’ll make sure of it) lol
That's strange that you were denied originally haha - but glad that you were able to switch! Definitely one of the best credit cards for gas right now!
I am a doordash driver and this is my dedicated gas card.. i fill up twice a week and spend about $100-$125 a week on gas so this card works out perfectly for me! I love this card! Great video too btw...lol
@@911eVoX can you explain a little more? how is it not enough?
@@Anthony-fk3vw You actually spend a perfect amount, ignore them.
The citi trifecta would be an awesome video!
I got the card and use it only for groceries. I basically shop exclusively at aldi, so im pretty sure im getting the cheapest possible groceries. I have my cards labeled with a label maker so i know which to use for gas, and which for groceries, and then my citi 2x card for all other stuff.
Does Xfinity Internet count towards streaming?
Do chevron gas stations get 5% with the Citi custom cash credit card? (I tried google but no luck. Please and thank you!)
Why wouldn't they?...
So how does the first month work? Since 5% category is determined by the highest spending category from the previous month do you get the option of choosing what to get for the first month?
Great video you’ve been killing it lately!! I remember when you had 1k subs!! Custom cash is next on my list solely for gas :) might get it in a month or 2 and use it for some flights I have to buy upcoming hopefully close to $500 one month and use it for gas after Discovers gas category ends in Q3
What are the data points. Do I need to have a bank account or other products with Citi to apply??
It’s a really good card and with the 5% cash back
Is there a minimum income required to get this card?
I'm looking for a grocery store card what would you suggest
I think this Citi Custom Cash card is a great option! As long as you use it only for groceries then you'll lock in 5% back in that category with no annual fee
As a family of 6, I will use this card for groceries only, since groceries is over 500 a moth for us.
So I've had this card for a few weeks now. I've been using it alot so it could hit the bonus and then I plan on using it just for gas. The biggest thing on this card that is irritating with this card is anything over like a hundred bucks triggers some kind of fraud alert and my card gets cancelled. I called and they told me it's fine now but then my card was again cancelled after trying to redo the purchase it was embarrassing. The second thing with this card that I hate is the purchases takes forever to process. I'm at 4 days and the purchases haven't processed. And Citi Bank doesn't let you pay off pending transactions. It's a small thing I know but cards that let me pay off pending transactions are my go to cards often times.
i wish in the video there is sector indicator so i know at which timeline in the video what you are talking about
Making sure I heard correctly $500 each month ?
Does the 5% cash back work even if I don’t reach 500 monthly of wtv the highest category is
Is walmart supercenter considered grocery store for the 5%?
It's solely my houselhold's gas card. 5% cash back on gas blows all other cards away. I already have cards for most other categories.
Can I apply the cash back from this card to statement credit
Does the 5/24 rule count store credit cards aswell? For example Jcpenny card or Best Buy card.
*Yes.*
The Citi Custom cash card initially got my interest with the 5% back, but with such a low spending cap I'd rather use my Citi Double Cash instead. At what point to you think the trade off between your time and optimizing your credit card utilization won't be worth it?
Just depends how much you value yourself on the calendar (time).
Yeah too bad there is a limit for $500 per billing cycle for 5% back, but still can beat out the Double Cash depending on how you use it and how much you spend! Right now luckily I feel like the way I've been utilizing credit cards has been easy so its not taking up much time so I think I'm in a good spot with that! Thanks for watching 👍
@@Daniel_Braun good point! I'm sure you're crushing it compared to how I'm taking advantage of my cards
Does this card give decent starting limit?
It can depending on your income and credit history!
Thank you
Daniel what happens if citi reject you what should you do . This not my first card have other cards
If I spend $300 on groceries and $200 on gas, will I earn 5% for both, or 5% for groceries only and 1% on gas?
Whatever category you spent the most money in is going to earn the 5%
can you redeem your points for a credit towards your balance?
Is there an app or something for this credit card
once per month filling up your tank?? must be nice😭. mines once a week when it hits half tank and $40 for half a tank😐
I will use it for groceries since its the biggest expense and if my chase freedom has 5% on groceries then I will switch to ⛽ gas station. I have other categories that are 3 % like restaurants and drugstores.
Can you use this on Uber.
Ever heard of the citi trifecta? It still a good alternative for those that haven't gotten into chase yet. Though I think Chase has the best reward system for travel.
That can be a video idea for this channel.
Is The Citi Trifecta Worth It? 👀
I don’t know I really like this card but I just applied for a credit card about 3 months ago I would love to have it so let me know
Going straight to Groceries!
Don't forget the sign up bonus for minimum spend!
I’m curious why the us bank cash plus card isn’t discussed more. Powerhouse card for 5% on 2 categories. And 2% gas, grocery. No annual fee
Yeah exactly it’s underrated I just got that card
Would love to get this card but citi customer support is just atrocious :(
If I use the custom cash card exclusively for groceries and gas, where I always spend more on groceries, I'll get back 5% on groceries and 1% on gas, correct?
Yes and you should get the Citi double cash back card to get 2% on everything else
Anyone know what select travel means?
Also this card has a 3% foreign transaction fee so it isn't good for booking hotels in other countries.
I got this card today with a credit limit of 6900$ with a 710 credit score but I don’t know if you have to select the category of 5% on the app
So Citi will just automatically keep track of whatever your highest spend category is each billing cycle and then give you 5% based off that. You don't have to select anything 👍
Is 711 considered a gas station?
Is citi bank inquiry sensitive?
I tired applying for this card twice two days ago and got denied. I’ll try again at the end of year. I have a feeling that this will be a good transit card for me because i take public transportation 6 days a week going and coming back from work
What was your score when you applied?
Where did you order your credit card catalog/book for your credit cards?
I just got a cheap one on Amazon. Not good quality though so I need to look for another
You only get 5%back if you spend more than 500 on a category?
What if the credit limit IS 500?
No, 5% up to 500 dollars a month. So if you spend 400 on gas you get 20 dollars back. Anything over 500 dollars is 1%.