Citi Custom Cash Reviews

Summary of a Reddit comment

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.

Summary of a Reddit post

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit comment

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.

Summary of a Reddit post

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.

Summary of a Reddit comment

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.