Citi Custom Cash Reviews

Summary of a Reddit comment

They worried a recent product change would block another, but chat approved moving their card into a Custom Cash without hesitation. They were also told no retroactive rewards are paid on a conversion.

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They call it one of the best cards they have: no annual fee, no category to pick each month, a reasonable cap and the option to hold multiples.

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They product-changed a Citi Double Cash into a Custom Cash through online chat for both themselves and their partner, though they lost one half of the Double Cash rewards by not paying the balance first.

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They product changed a few months old Citi Strata into a Custom Cash and now hold two, hoping existing Custom Cash holders are grandfathered for a while.

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They converted a rarely used Double Cash into a Custom Cash through Citi chat in one session, finishing the product change easily.

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They product-changed their Citi Double Cash into a second Custom Cash card the night before posting, showing the route was still open when the card was about to be discontinued to new applicants.

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Product-changed their recently opened Double Cash into a Custom Cash through the Citi app chat in about five minutes, with no trouble despite having had the Double Cash only a few months.

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They opened a Custom Cash the previous month and then product changed another Citi card into a second one, treating the card as a worthwhile addition to their setup.

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They had been denied for a new Custom Cash but successfully product changed their no annual fee Citi Strata into one, while a newer Strata Premier was too recent to convert.

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They obtained their fifth Custom Cash by product change via Citi chat from a Double Cash held for over a year and had no trouble even with other active Custom Cash cards.

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They have used the Citi Custom Cash for dining for about six months and only a couple of local spots failed to code as restaurants, so the merchant-code worry has been minor in their experience.

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They use it for a monthly fitness subscription for two and barely think about it, not even knowing where the physical card is. The category fits a steady recurring bill well.

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They hold four Custom Cash cards and tell them apart by final digit, assigning them to dining, entertainment, drugstores and an open category such as home improvement.

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They hold two Custom Cash cards and tell them apart by cutting the corner off the one they use for groceries, a simple trick to track which card is for which category.

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They find the Custom Cash one of the easiest cards to use because no category needs to be designated in the app, and they use it as a simple gas-only card.

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They love the Custom Cash because they can switch categories when their setup changes, and note that every rewards card relies on merchant codes so it is easy to see if 5 percent posted.

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They are a Chase fan who finds it nice not having to designate a category in the app on the Custom Cash, using Freedom Flex rotating cards only for gaps or PayPal quarters.

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They phoned Citi and had their Rewards+ converted into a Custom Cash very quickly, saying they will miss the Rewards+ but consider the Custom Cash the next best option.

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They called Citi to product change a Strata Premier into a Custom Cash and it took under five minutes on the first call, far smoother than the incompetence they had expected from other reports.

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They got a second Citi Custom Cash by product changing from a Double Cash they had opened only a couple of months earlier, requested through the online chatbot with no trouble.

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They obtained a second Citi Custom Cash about nine months earlier by phone product change from a Strata Premier, and the request went through without a problem.

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They own two Citi Custom Cash cards (one added by product change) and call it their personal favorite card, valuing that the category can be moved from groceries to dining as needs change.

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They had an easy product change to the card, noting it even updated automatically in their iPhone wallet. They considered opening another Double Cash just to convert it into another Custom Cash.

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They converted a Citi Double Cash into a Custom Cash by product change after reading the thread, and the whole process took only about five minutes, which they were glad of.

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They successfully product-changed their Citi Double Cash to a Custom Cash through the chat bot, as part of building a Citi trifecta, after waiting until the Double Cash welcome bonus was finished.

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They requested a product change through chat, were shown a list including Custom Cash, and it was done in under ten minutes, with no prior product change on a two-year-old account.

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They called the number on the back of their Double Cash and successfully product changed to a Custom Cash in one short call, after the card had closed to new applications.

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They product changed an old Citi Dividend card that they rarely benefited from into a Custom Cash on the day they tried, even after the card was reported as discontinued.

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They converted a Double Cash card to a Custom Cash via live chat and plan to run one Custom Cash for gas and another for groceries, having not known multiple copies were allowed.

Summary of a Reddit comment

They converted their Citi Strata into a Custom Cash card through the web chat after hearing it was still possible, and thanked the poster for the tip. A quick, simple product change.

Summary of a Reddit comment

They applied for the Custom Cash the week before the closure news and were accepted, calling it good timing since new applications closed shortly afterward and the card was reported as discontinued.

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They did a product change from a Double Cash through chat, where an agent asked what they wanted and processed it right away, giving them a second Custom Cash. The process was smooth and quick.

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They run two Custom Cash cards and get 5% back on their two biggest spending areas, gas and groceries, and like how simple the setup is with just two cards.

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They use Custom Cash cards as dedicated cards for groceries, gas and dining because their spend stays under the cap, and prefer that to juggling rotating-category cards.

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They designate one Custom Cash as their restaurant card and like not having to track rotating quarterly categories the way they do with other cashback cards.

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They use the Custom Cash for gas and praise how liberally gas stations are coded, getting 5% at any station, including supermarket pumps that other cards miss.

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They product changed an unused Citi Dividend World card to a Custom Cash through Citi chat in about an hour, and plan to use it as a 5 percent card for home improvement, gas and a second grocery card.

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They applied for a Custom Cash after the discontinuation news and were approved; they had been building a Citi setup starting with the Strata and hoped to keep converting other Citi cards.

Summary of a Reddit comment

They went from no Custom Cash cards to two in a single day after the discontinuation news, viewing it as a push to upgrade their card setup and hoping existing cards stay grandfathered.

Summary of a Reddit comment

They applied for and got a Custom Cash while the Citi website still offered it, and later product changed a Double Cash as part of a multi-card Citi setup.