Citi Custom Cash Reviews

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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 first got the card as a balance transfer offer after a divorce and, once that was paid off, began using its 5% category rewards. They note many holders likely never optimize it.

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Keeps it as their one cash back card, hand-picking a single category each cycle and putting nothing else on it, and notes it is no longer open to new applicants.

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Felt lucky to get the card before it closed and uses it as their dedicated 5% restaurant card; a short but positive endorsement from a current cardholder.

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Calls it basically their best card out of a large collection, helped by the rotating-category cards from Discover and Chase having weak categories this quarter; a short but clearly positive owner take.

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They use their Custom Cash for the grocery category as part of a multi-card setup alongside a Verizon Visa, PayPal debit and Active Cash, and say they would simplify to just two cards if needed.

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They built Citi into their secondary points ecosystem around two Custom Cash cards and a Strata Elite, valuing the American Airlines transfers, and would be disappointed if the Custom Cash cards are forced away.

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They ran two of these cards for 5% on groceries, dining and gas, pairing them with Freedom Flex and Discover for a third category. They note it cannot be used at Costco, so gas there goes on another card.

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They use the Custom Cash for pharmacy spending, where no other card pays 5%, while their other major spending categories sit on cards with higher or no caps.

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They like their Custom Cash cards, dedicating one to groceries and using the other for whatever category they spend most on in a given statement.

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They opened the Custom Cash at launch for groceries, later moved to a Double Cash when grocery spend outgrew the cap, and say it is worth it mainly if you can product change.

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They use the Custom Cash as a support card, valuing 5% cash back as high for the category but noting the low monthly spending cap as the main drawback.

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Holds a single Custom Cash and uses it for gas, saying they are not too upset about the discontinuation as long as that one stays; they call it the best gas card for people who do not drive heavily.

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Holds three Custom Cash cards, assigned to groceries, gas and hardware stores or restaurants; they converted an old Rewards+ card a couple of years ago, and their spouse also has one.

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They use their Custom Cash card only at restaurants and do not even reach the monthly cap, pairing it with a Double Cash for everything else and finding the setup simple and worthwhile.

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They use their Custom Cash for restaurant spending only and move to another card whenever they get close to the monthly cap, which keeps the 5 percent category working for them.

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They put all their Custom Cash spending on dining because they eat out every day, and they worry about losing the card since they see few good alternatives for restaurant rewards.

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They hold about five Custom Cash cards and use each one for a different 5X category such as grocery, gas, dining, tolls and hardware stores whenever they are not working on a sign-up bonus.

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Got the sign-up bonus on a Custom Cash application, applied for a Double Cash 30 days later and also got its bonus, then product-changed that card to a second Custom Cash after a year.

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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 the Citi Custom Cash for dining and say it works very well for them, since they only occasionally spend past the monthly 5 percent cap in that category.

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They hold four Custom Cash cards, assigned to transit, groceries, restaurants and a flex category, alongside a Citi Thank You card, pooling all points together.

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They hold both an Amex Blue Cash Preferred and a Custom Cash, using the Amex for its broad streaming category and the Custom Cash for restaurants or groceries.

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They hold three Custom Cash cards and call the setup their most lucrative cash back system, though they still use other cards for everyday spending because of their bank.

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They product changed a Double Cash they no longer valued into a single Custom Cash to serve as their gas card, deliberately choosing one rather than several.

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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 three Custom Cash cards for groceries and dining but are not sure they could use more, since they charge their EV at home and need no gas card.

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They consider the Custom Cash probably the best card for cash back on dining and discuss which merchants, like bakeries and coffee shops, code outside the dining category.

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They have been very satisfied with the Custom Cash, with only two purchases in eight months failing to earn 5 percent, one from merchant miscoding and one from their own error.

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They hold three Custom Cash cards, one applied for and two converted, and love them; they suggest using it for no-brainer purchases like gas at the pump and testing a merchant first.

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They phoned Citi and converted their Rewards+ into a third Custom Cash card, planning to turn their Double Cash into a fourth once the point rebate no longer gave it an edge over other 2% cards.

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They use their Custom Cash for groceries at the 5% rate, adding a PayPal debit card to cover grocery spend beyond the monthly cap, and consider it a great choice for category spend within the cap.

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They still hold a Custom Cash and point to its groceries and gas categories as a reason it pairs well with other 5% choose-your-category cards.

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A couple runs multiple copies each, using them to cover groceries and dining at the 5% rate and collecting a nice monthly cash-back return across the household.

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Runs three copies, one dedicated to gas and two to restaurants, and says it is nice to have 5% back in both everyday categories.

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They hold two Custom Cash cards and wish they had gotten a third, valuing a 5% card with a flexible category that adjusts to their monthly spending.

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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 put their season ticket payments on the Custom Cash through an interest-free payment plan, which works out to roughly 5% off the tickets.

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They and their household use two Custom Cash cards, one for dining and one for groceries, and say the arrangement works out well for them.

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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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Runs several Custom Cash cards, having recently product-changed to their third, and calls it one of the best cards available for individual gas spending for people who do not drive much.

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Keeps a single Custom Cash and appreciates having a five percent dining card, noting such cards are hard to come by, even after hearing it is being closed to new applicants.

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Says the Custom Cash is a great card to pair with their Discover it cashback, Chase Freedom Flex and a PayPal debit card, and is glad existing holders get to keep it.

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They and their partner each hold a Custom Cash and play it every month, one on groceries and one on dining, staying exactly at the cap so the 5 percent rate is fully used.

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They and their spouse each got a Citi Custom Cash for groceries and alternate between the two cards when one nears the monthly 5 percent cap, which suits their household spending.

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They describe the Citi Custom Cash as a perfect dining card they absolutely love, and keep it alongside backups such as an Amex Gold and a Chase trifecta.

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They find the Citi Custom Cash works well as a dining card for their family of four, since they never reach the monthly cap and have had no merchant code problems.

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They picked up the card to keep their family dining budget in check and have enjoyed the 5% back since, eating out far less. They later built a wider cashback setup around it.

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They use a Custom Cash for EV charging and gas, which they converted from a Strata card, and note it still shows the old card image in their mobile wallet.

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They and their household use their Custom Cash exclusively for gas purchases, taking advantage of the 5% category up to the monthly cap.