You can always convert any existing Citi card to a Custom Cash card so you can cover all the various categories that aren’t covered by the other 5% cash back cards. This is a hack to get more than one custom cash card.
I have multiple Shell gas stations nearby and a local Giant Food that partners with Shell to get cents off per gallon. I use the the Citi Custom Cash with Upside with Shell fuel rewards+giant food rewards. I triple dip.
I use my Citi Double Cash for my role player card, I was between that and this card originally, but the card is really just for purchases my Sapphire and AMEX Blue don't cover.
I've had the Custom Cash for almost 2 years now, never carried a balance over, utilization never hit double digits on statement balances (paid off before statement date), and have always been denied for credit line increases despite six fig income and almost 800 credit score. Some people are saying Citi actually likes to see higher credit utilization on statements, any idea if this is true? Let the statement come in high but still pay it off on time in full?
I use this card every day now! I got 2 actually, I product changed my double cash into a second Custom Cash. Sine I already have a few 2% cash Bach cards, made e realize why I need more especially if they overlap. I have the Apple Card and the Fidelity 2% card. I use one Custom Cash for Food and the other one I rotate between gas, drug stores and Streaming. Thinking of adding another. A very underrated card 🙌
I want to get a second custom cash if they allow me to do the same and part change my double cash. I have the blue business plus and the business cash on American Express, the synchrony rewards world MasterCard and the Apple card as well. The only way I will not have two of them is if they don’t allow me to product change my double cash to another custom cash. I rarely use my double cash.
As long as Citi keeps allowing people to accumulate multiple custom cash cards, and people then use them to maximize their everyday monthly spend, they will keep people entering into and then staying in the Citi eco-system. We all need to eat ( thats dining and groceries) and we all need to drive (especially in CA). Those are all my main spend categories...ill take 5x on each any day!🏀 The deeper u get into the credit card game, the more it is recommended that you do a spend audit of your monthly spend for the past 6-12 months. It will help to clarify what u spend on, what categories that spend falls into and how u can maximize your pts game.
I recently book a Hilton stay with a 1.2 point valuation.using 5th night free. I include this as we have hilton cards. The no AF honors card has gas and grocery at 5x. I have been thinking of the citi card for groceries and gas after we finish chase freedom bonuses but now question if i need this card. I already have 2 catogory cards that cover groceries and gas half the year. Thinking the return on this i have covered with other cards already. Will be considering for dinning. But even in this category earning x3 on other cards achieve the similar x5 return in travel use.
The Custom Cash is a decent card. Not the best but decent. The Prestige is a good card. This is my opinion. Once again thank you for the information and keep up the good work. Happy Friday/ weekend. 👍🏿✌️
Hi Sebby. Do you know if i oprn custom cash and still earning towards my sing up $200 would it be smart /right to product change my other citi card to another custom cash before i get $200 bonus on the first custom cash card? Or its better to get bonus on 1st custom cash and only then product change to 2nd custom cash?
🏀 right now, it has to be Bogdan that got traded to the Knicks. I’m not sure if he will start but he’ll be a great option of the bench. My card portfolio has been kind of static so maybe I should add this as my next addition but I don’t even have a double cash yet. Just the Premier on the elevated bonus.
🏀 I got the Custom Cash in December after cancelling the Flex. I got tired of rotating categories. Yesterday I opened a Double Cash, which I will product change to a 2nd Custom Cash asap.
I need a card so I can spend for a MacBook. I have Amex gold but there is no extra reward for me using it. Should I get a citi custom cash to get some cash back and also the 0% intro apr since it is a big purchase ?
🏀 I think you might get some good view numbers on a follow-up video about some of the pitfalls this card has and how to avoid them. Such as Spotify not qualifying for the streaming category or Walmart, Costco, Target, etc. not qualifying as groceries. It's a nice tool, but it only fits a few applications well.
Would have been more useful if you actually detailed the categories-what is “select travel” etc rather than repeating it “scales with you” and other opinions.
Keep striking out with Citi. Missed the SUB for double cash (had the card for two months when the sub came back). Now, I'm holding on hard inquires for a car loan. Ugh. 🏀
🏀 It's a great card and I like the user interface of both the app and the desktop website. The paper bill looks clean as well. I use it mostly for ride share. I want to work on getting a second one but I'm hearing now that it's getting difficult to product change into a second one even well after a year. Any thoughts on that?
🏀 I just applied for a US Bank Cash+, though checking the categories, I’m a bit disappointed that gas groceries and restaurants are not part of the 5% category. Citi’s onto something, I might join them in the future
🏀 I'm a homebody but I think this would mean $300ish for me per year using it for my son's food (roughly $660 he is autistic and has to have the same things daily) in a month the rest would be on the Walmart rewards at 2%🏀
🏀 Help me Sebbi-Wan Kenobi, you're my only hope. I don't travel much and want to downgrade my Premier. I have 40,000 TY points I can transfer out. I have no specific use case, but could be persuaded to put a trip together. Where's the best place to transfer to? Would a deal like your Singapore example work for flying coach? Open to Europe or domestic travel from the east coast. Otherwise, I'll just cash them out.
💳 Sebby's Card Picks: www.asksebby.com/credit-cards
You can always convert any existing Citi card to a Custom Cash card so you can cover all the various categories that aren’t covered by the other 5% cash back cards. This is a hack to get more than one custom cash card.
except for the Citi Costco card /:
This used to be the case. However, recently, folks have been denied a product change to a second custom cash. So it may no longer be an option.
@@LukesPointsandMiles Yes, may be a case, but I have 9 of them.
@@yurig2530 whoa!!
I have 2 Citi credit cards that I have received recently I would like to get the custom cash card. How long should I wait to apply?
I have multiple Shell gas stations nearby and a local Giant Food that partners with Shell to get cents off per gallon. I use the the Citi Custom Cash with Upside with Shell fuel rewards+giant food rewards. I triple dip.
You can also add a 4th dip as Shell is a regular on Citi merchant offers. Latey its been $2 bucks off when spending over $30 in a transaction
Love your basketball references and clips always! 🏀🏀🏀
We have three CCC in our family for grocery/restaurants/gas, when my premier’s AF hits we will see if we can get a 4th for wild card 😊
Nice!
I use my Citi Double Cash for my role player card, I was between that and this card originally, but the card is really just for purchases my Sapphire and AMEX Blue don't cover.
🤦🏽 I just got approved for the Chase Freedom Flex
It’s a great card honestly
Freedom Flex is a great card if you like rotating categories!
He got me hooked on that card a little while back!! I only use it at the gas station but it really makes me feel like I'm saving 🏀🏀
my gas only card too
I'm starting to think getting the Double Cash and Rewards+ for subs and switching them to Customs after a year could cover almost everything
I’ll be applying for this card to complete my citi trifecta.
Manu is a 4x champion and hall of famer what do you mean he won't win you a game???
I've had the Custom Cash for almost 2 years now, never carried a balance over, utilization never hit double digits on statement balances (paid off before statement date), and have always been denied for credit line increases despite six fig income and almost 800 credit score. Some people are saying Citi actually likes to see higher credit utilization on statements, any idea if this is true? Let the statement come in high but still pay it off on time in full?
No mention of minimum credit score to qualify or which bureau(s) Citi pulls from as well as which credit scoring model they use.
I use this card every day now! I got 2 actually, I product changed my double cash into a second Custom Cash. Sine I already have a few 2% cash Bach cards, made e realize why I need more especially if they overlap. I have the Apple Card and the Fidelity 2% card. I use one Custom Cash for Food and the other one I rotate between gas, drug stores and Streaming. Thinking of adding another.
A very underrated card 🙌
Nice!
I want to get a second custom cash if they allow me to do the same and part change my double cash. I have the blue business plus and the business cash on American Express, the synchrony rewards world MasterCard and the Apple card as well. The only way I will not have two of them is if they don’t allow me to product change my double cash to another custom cash. I rarely use my double cash.
I have 3. I love this card and love the Premier for travel.
I like using my custom cash for hotel stays, viator, and checked bags If I'm spending under $500 for travel that month
If I use it in Walmart and buy groceries along with a tv will they only give me 5% on total purchase or just the groceries?
Great video❤ don't know how to do basketball emoji
🏀 so glad you included the 6th man 🐐 in your vid 😁
😁
Great card overview as always Sebby! If Klay's going to be a 6th man moving forward, he's my favorite by far.
🏀 Great analysis! Love it!
What if my top spend is
on Rent or on a Mortgage?
Check out the Bilt card.
4:25 this is exactly what happened to me. I am now in pop up jail. So i decided to get the citi double cash card😏
CCC is a great card, that why I have 9 of them. The only downside is that you need to use it every month, compared to Freedom's once a quarter.
As long as Citi keeps allowing people to accumulate multiple custom cash cards, and people then use them to maximize their everyday monthly spend, they will keep people entering into and then staying in the Citi eco-system. We all need to eat ( thats dining and groceries) and we all need to drive (especially in CA). Those are all my main spend categories...ill take 5x on each any day!🏀 The deeper u get into the credit card game, the more it is recommended that you do a spend audit of your monthly spend for the past 6-12 months. It will help to clarify what u spend on, what categories that spend falls into and how u can maximize your pts game.
I recently book a Hilton stay with a 1.2 point valuation.using 5th night free.
I include this as we have hilton cards. The no AF honors card has gas and grocery at 5x. I have been thinking of the citi card for groceries and gas after we finish chase freedom bonuses but now question if i need this card.
I already have 2 catogory cards that cover groceries and gas half the year.
Thinking the return on this i have covered with other cards already.
Will be considering for dinning. But even in this category earning x3 on other cards achieve the similar x5 return in travel use.
The Custom Cash is a decent card. Not the best but decent. The Prestige is a good card. This is my opinion. Once again thank you for the information and keep up the good work. Happy Friday/ weekend. 👍🏿✌️
Hi Sebby. Do you know if i oprn custom cash and still earning towards my sing up $200 would it be smart /right to product change my other citi card to another custom cash before i get $200 bonus on the first custom cash card? Or its better to get bonus on 1st custom cash and only then product change to 2nd custom cash?
🏀 As Team Cash Back, I use the Citi Custom Cash for Restaurants. The other categories I have other cards or too little spend to make a difference.
What cards do the jack queen? Amex? Like if I go for platinum SUB now, I am not eligible for gold SUB later?
Yes, the new Amex rules are covered here: ua-cam.com/video/bd2WWW9WsSU/v-deo.html
Thanks, that explains it.
🏀 right now, it has to be Bogdan that got traded to the Knicks. I’m not sure if he will start but he’ll be a great option of the bench. My card portfolio has been kind of static so maybe I should add this as my next addition but I don’t even have a double cash yet. Just the Premier on the elevated bonus.
My grocery card and a separate card for pharmacies.
Nice!
Kind of similar to the bcp card where bcp gives 6% up to 6K per year. So that’s about 500 a month
I consider the bcp a 4.5% card since the annual fee eats away from the total return on the card
Kinda want this card but dont want a new bank added to my list from citi
Is this 5% cash back or 5% TY point back?
It is 5x TY pts. You can then redeem those points for cash back if you like.
SIA website doesn't seem to confirm that the A380 will come back on the JFK- FRA route. I think that will just be the B777 First Class, not Suites.
🏀 much love from China man! Moving back state side after twenty years living here. Love your channel!
🏀 I got the Custom Cash in December after cancelling the Flex. I got tired of rotating categories. Yesterday I opened a Double Cash, which I will product change to a 2nd Custom Cash asap.
I need a card so I can spend for a MacBook. I have Amex gold but there is no extra reward for me using it. Should I get a citi custom cash to get some cash back and also the 0% intro apr since it is a big purchase ?
You probably won't be able to get that MacBook purchase into a 5% category.
🏀
I think you might get some good view numbers on a follow-up video about some of the pitfalls this card has and how to avoid them. Such as Spotify not qualifying for the streaming category or Walmart, Costco, Target, etc. not qualifying as groceries.
It's a nice tool, but it only fits a few applications well.
Custom Loewe wallet eh?
Why did you comment on Singapore suites from JFK? I thought they stopped them a while ago.
Would have been more useful if you actually detailed the categories-what is “select travel” etc rather than repeating it “scales with you” and other opinions.
Keep striking out with Citi. Missed the SUB for double cash (had the card for two months when the sub came back). Now, I'm holding on hard inquires for a car loan. Ugh. 🏀
:(
🏀
It's a great card and I like the user interface of both the app and the desktop website. The paper bill looks clean as well.
I use it mostly for ride share.
I want to work on getting a second one but I'm hearing now that it's getting difficult to product change into a second one even well after a year. Any thoughts on that?
Some data points in the comments suggest it's still possible. Might be a hang up and try again situation.
🏀 It's great card to have with the CFF and Discover
Agree!
🏀 I just applied for a US Bank Cash+, though checking the categories, I’m a bit disappointed that gas groceries and restaurants are not part of the 5% category. Citi’s onto something, I might join them in the future
I have that card & love it for getting 5% back on utilities. This quarter it’s 5% back on fast food too.
🏀 What Is the best credit card for groceries us bank shopper card or this one from Citi if you spend $500 monthly or more ??
🏀 the JET Jason Terry!
It's the best 6th man card,but thats it,come on court just to do 1 thing
🏀This is my next target card, very easy to use. Just for gas and gas only. Man I love credit card games!💯
🏀 I'm a homebody but I think this would mean $300ish for me per year using it for my son's food (roughly $660 he is autistic and has to have the same things daily) in a month the rest would be on the Walmart rewards at 2%🏀
🏀 I'm honestly surprised Citi hasn't nerfed this card at all since its inception.
Phone, internet and ultility card
🏀 You have an obvious talent of finding the right spot to hit 3 pointers from, but your travel blogs are your real superpower 💪
🏀 Help me Sebbi-Wan Kenobi, you're my only hope. I don't travel much and want to downgrade my Premier. I have 40,000 TY points I can transfer out. I have no specific use case, but could be persuaded to put a trip together. Where's the best place to transfer to? Would a deal like your Singapore example work for flying coach? Open to Europe or domestic travel from the east coast. Otherwise, I'll just cash them out.
Hi
Hellooo!!
🏀
Manuuuuuuuu!
Citi should remove FTFs
🏀🏀🏀
Any idea if concessions at live sporting events count as a category? 🏀
They're not counted as restaurants. Might be live entertainment
🏀
This is probably a good gasoline card for most people/families.
Where are you at net worth wise? I imagine you’re over 2M
He rents apartments
Citi Custom Cash was my #1 Grocery Card but after switching to Sam's Club, its now my #1 Music Festival Card
🏀🏀🏀
🏀
🏀
🏀
🏀🃏💳
Squuuuuuuuuuad
🙌
🏀 Malik Monk! Light the beam!!! 🟣⚫️
🏀
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