Maximize Your Earnings with the Citi Custom Cash Intro Bonus: A Comprehensive Guide for Redditors

Introduction

The Citi Custom Cash Card offers a generous introductory bonus that can provide a significant boost to your earnings. If you're a Redditor looking to get the most out of this card, this guide will provide you with all the information you need to optimize your rewards.

Benefits of the Citi Custom Cash Intro Bonus

• Earn a $200 bonus after spending $750 within 3 months of account opening.
• 5% back in bonus cash on up to $500 of purchases in your top spending category each billing cycle.
• No annual fee.

How to Qualify for the Intro Bonus

To be eligible for the intro bonus, you must:

• Be a new Citi cardmember.
• Apply for and be approved for the Citi Custom Cash Card.
• Spend $750 within 3 months of account opening.

Choosing Your Top Spending Category

To maximize your earnings, choose a top spending category that you consistently spend a significant amount in. Common categories include:

• Dining
• Entertainment
• Groceries
• Gas
• Travel

Optimizing Your Earnings

1. Track Your Spending: Use a budgeting app or spreadsheet to track your spending habits and identify areas where you can maximize 5% back.

2. Plan Your Purchases: If possible, schedule larger purchases to coincide with your top spending category each billing cycle.

3. Use Multiple Cards: Consider using other credit cards for purchases that don't fall within your top spending category to earn additional rewards.

4. Take Advantage of Promotions: Citi offers occasional promotions that can boost your earnings, such as double cash back offers or bonus points for specific purchases.

Common Mistakes to Avoid

1. Missing the Spending Deadline: Ensure you meet the $750 spending requirement within 3 months to qualify for the intro bonus.

2. Neglecting to Activate the Card: Once approved, activate your card promptly to start earning rewards.

3. Exceeding the Top Spending Limit: Purchases over $500 in your top spending category will not earn 5% back.

Step-by-Step Approach

1. Apply for the Card: Complete the online application and submit your information.

2. Check Your Eligibility: Review the approval decision and ensure you meet the requirements for the intro bonus.

3. Activate Your Card: Call the number on the card or log into your online account to activate it.

4. Set Your Top Spending Category: Choose a category where you consistently spend a significant amount.

5. Start Spending: Make purchases within 3 months to reach the $750 spending requirement.

6. Receive Your Bonus: After meeting the spending requirement, the $200 bonus will be credited to your account within 8-12 weeks.

Pros and Cons of the Citi Custom Cash Card

Pros:

• Generous intro bonus.
• 5% back in bonus cash on everyday purchases.
• No annual fee.
• Easy-to-manage rewards system.

Cons:

• $750 spending requirement within 3 months for intro bonus.
• 5% back limit of $500 per billing cycle.
• Rewards are capped at $6,000 annually.

Conclusion

The Citi Custom Cash Card's intro bonus is an excellent opportunity to boost your earnings and save money on everyday purchases. By following the strategies outlined in this guide, you can maximize your rewards and make the most of this card. Whether you're a seasoned Redditor or a credit card newbie, the Citi Custom Cash Card is a valuable tool to have in your financial arsenal.