Maximize Your Earnings with the Citi Custom Cash℠ Card: Redditors Share Tips and Tricks

Introduction

The Citi Custom Cash℠ Card has quickly become a favorite among Redditors for its generous introductory bonus and flexible cash back rewards. This comprehensive guide will delve into everything you need to know about the card, including the latest intro bonus offer, earning strategies, and redemption options. By the end of this article, you'll be equipped with the knowledge to make the most of your Citi Custom Cash℠ Card.

Citi Custom Cash℠ Card: The Basics

The Citi Custom Cash℠ Card is a no-annual-fee credit card that rewards you with 5% cash back on your top spending category (up to $500 in purchases monthly), and 1% cash back on all other purchases.

Key Features:

• Intro bonus: Earn $200 cash back after spending $750 within 3 months of account opening
• 5% cash back: Choose a different 5% cash back category each month, including restaurants, gas stations, groceries, and more
• 1% cash back: Earn 1% cash back on all other purchases
• No annual fee: Enjoy the benefits of the card without paying an annual fee

Intro Bonus Offer

New cardholders can take advantage of the current intro bonus offer of $200 cash back after spending $750 within the first 3 months of account opening. This bonus is a substantial way to jump-start your earnings and maximize the value of your card.

Earning Cash Back

The Citi Custom Cash℠ Card offers a unique way to earn cash back on your everyday purchases. Each month, you can choose a different 5% cash back category from the following:

• Restaurants
• Gas stations
• Groceries
• Transit
• Drugstores
• Home improvement
• Fitness
• Live entertainment

Once you've selected your category, you'll earn 5% cash back on all eligible purchases up to $500 per month. For purchases beyond this threshold, you'll continue to earn 1% cash back.

Redemption Options

Redeeming your cash back rewards is simple and convenient. You can choose to:

• Statement credit: Apply your cash back as a statement credit to your account
• Direct deposit: Have your cash back deposited directly into your bank account
• Gift cards: Redeem your cash back for gift cards to popular retailers

Why the Citi Custom Cash℠ Card Matters

The Citi Custom Cash℠ Card is a valuable addition to any wallet for the following reasons:

• Generous intro bonus: Earn $200 cash back after meeting a low spending requirement
• Flexible cash back: Earn 5% cash back in your chosen spending category each month
• No annual fee: Enjoy all the benefits of the card without paying an annual fee

Benefits of the Citi Custom Cash℠ Card

The Citi Custom Cash℠ Card offers a wide range of benefits that make it a worthwhile choice for everyday spending:

• No foreign transaction fees: Use your card abroad without incurring additional fees
• Extended warranty protection: Get an extra year of warranty coverage on eligible purchases
• Purchase protection: Protect eligible purchases from theft, damage, and loss
• Chip technology: Enjoy the security and convenience of chip technology for card transactions

Stories and Lessons Learned from Redditors

Redditors have shared their experiences with the Citi Custom Cash℠ Card, providing valuable insights and lessons learned:

Story 1:

"I use my Citi Custom Cash℠ Card for my monthly grocery bills and have been earning 5% cash back consistently. I'm saving a substantial amount of money on groceries each month, which adds up over time." - u/Savingsavvy

Lesson: By choosing the right spending category, you can maximize your cash back earnings.

Story 2:

"I rotate my 5% cash back category every month based on my spending needs. I've earned substantial rewards on dining, gas, and home improvement projects. The flexibility of the Citi Custom Cash℠ Card has helped me save money in multiple areas." - u/Rewardhunter

Lesson: Changing your cash back category each month can help you save on various expenses.

Story 3:

"I took advantage of the $200 intro bonus by meeting the spending requirement within the first few months of having the card. This initial boost gave me a great head start on my cash back journey." - u/Bonuslover

Lesson: The intro bonus offers a significant opportunity to earn extra cash back if you meet the spending requirement.

FAQs

1. What is the minimum credit score required to qualify for the Citi Custom Cash℠ Card?

According to Citi's website, the minimum credit score requirement for the Citi Custom Cash℠ Card is 700.

2. How often can I change my 5% cash back category?

You can change your 5% cash back category once per month.

3. Is there a limit to how much cash back I can earn?

Yes, there is a maximum of $500 in 5% cash back earnings per month. However, there is no limit to how much 1% cash back you can earn.

4. Can I use the Citi Custom Cash℠ Card for balance transfers?

No, the Citi Custom Cash℠ Card does not offer balance transfers.

5. What are the cash back redemption options?

You can redeem your cash back rewards as a statement credit, direct deposit into your bank account, or gift cards.

6. Is there a monthly fee associated with the Citi Custom Cash℠ Card?

No, the Citi Custom Cash℠ Card has no monthly fee.

7. Does the Citi Custom Cash℠ Card offer any additional benefits?

Yes, the Citi Custom Cash℠ Card offers additional benefits such as no foreign transaction fees, extended warranty protection, purchase protection, and chip technology.

8. How do I apply for the Citi Custom Cash℠ Card?

You can apply for the Citi Custom Cash℠ Card online, by phone, or in person at a Citi branch.

Call to Action

If you're looking for a credit card that rewards you for your everyday spending, the Citi Custom Cash℠ Card is a smart choice. With its intro bonus, 5% cash back option, and no annual fee, you can earn substantial rewards and save money on your expenses. Apply for the Citi Custom Cash℠ Card today and start maximizing your cash back earnings!

Tables

Table 1: Citi Custom Cash℠ Card Intro Bonus History

Table 2: Citi Custom Cash℠ Card Monthly Cash Back Categories

| Category |
|---|---|
| Restaurants |
| Gas stations |
| Groceries |
| Transit |
| Drugstores |
| Home improvement |
| Fitness |
| Live entertainment |

Table 3: Citi Custom Cash℠ Card Benefits

| Benefit |
|---|---|
| No annual fee |
| No foreign transaction fees |
| Extended warranty protection |
| Purchase protection |
| Chip technology |