Another great card. Shop Your Way Citi card. it has a 225.00 sign up bonus which is easy. BUT the best thing is the offers they snail mail. Took about 18 months for me to get these offers, but they are coming fast now. 1)80.00 for spending 800.00 monthly in grocery/gas/rest for Oct/ Nov/Dec. Knocked that out with VGC and takeout food. 10% back is better than my OBC cards at 5%. These offers do overlap, and I thought that they would be screwed up. NOT!! 2) Spend 500.00 on utility bills get 50.00 back for Nov/Dec/Jan. easy. 3) Spend 50.00 6x in same cats and get 60.00 back. Dec/Jan Febā¦ I bought 50.00 Shoprite cards and used them in same trip. I think thatās 20%.backā¦ Now the best for Jan 2024: 4)Spend 2k monthly in same cats for 12 months, get 200.00 statement credit each month. They do not care about VGC either, like Discover. With OBC, Disc and Chase cats and SYWay card, Ill be very busy. So apply if you do not have this card.
Re: Amex Preferred Blue Cash 6% back for groceries up to $6K.
Iāve had this card for over 10 years. It has a $95 annual fee ($75 at first). Subtracting this from rewards, spending the max for groceries comes out to 4.4% in rewards.
I found out one can have more than one card. I could get one but there would no bonuses and no waived fee. Still thatās another 6% for groceries up to $6000 spending. Also 3% for transit and gas.
I currently use a Citibank that gives 5% cashback, no fee, for $500 grocery spend per month.
Because I get prescriptions and other items at the grocery store, I easily spend more than $6K there and, at the current pace, more than $12K.
Any suggestions? Pros or cons to using two cards? I have a high credit limit on the existing card so not sure what credit limit I will get.
I think you can have more than one Custom Cash, though Iām not sure if you can get there by applying directly or if you have to apply for another card and then PC into it. And you can turn that 5% into 5.55% with Rewards+.
This should not be an issue as they should be able to reallocate for approval, and you can reallocate credit limits online.
Iāll check on Citibank, too, although you have to watch that one more carefully because thereās a monthly limit, but thereās no fee. That might do just as well, but I donāt think Rewards+ works with it. Thanks for the suggestion.
Supposed to work, even mentioned in this threadās wiki.
Citibank allows only one Custom Cash card. I saw an article that says you can convert other Citibank cards but you must wait one year before the conversion.
Also, whatever Rewards+ is, they say it does not apply to the Custom Cash card.
Amex is simpler: Rewards are 1% more, no monthly limit, and the fee is made up for with bonuses.
I already mentioned this:
But thanks for confirming.
Whoever ātheyā are, they are in conflict with everything else written about this. All these cards earn TY points, and if you combine all the TY accounts into one, then all TY redemptions up to 100K points per year should get 10% back as one of the Rewards+ benefits. This makes DoubleCash 2.22% and CustomCash 5.55%.
No, rewards on BCP after AF are 0.6% and 1.1% less than CustomCash, without and with Rewards+, respectively. What bonuses are you counting as āmaking up for AFā? If itās Offers, those can be used on no-AF amex cards.
āTheyā are Citibank agents.
I donāt understand the bit about the rewards. BCP is 6% for groceries and streaming subscriptions, 3% transit (ride share, parking. tolls, trains, etc.) and gas.
Custom Cash is 5% up to $500 a month for one category (grocery store for me).
LOL. Are you serious? Youāre going to believe CSReps (and Citi reps are some of the worst) over wisdom of the crowds?
Yes, CustomCash is only good for one category like groceries. You wrote that you are spending more than $12K at the grocery store and were considering a second BCP, but I think a second CustomCash is better, assuming you can work within the monthly limit.
Unreliable CS Reps is another reason not use Citibank.
It seems better to get 6% right now than wait a year to possibly get 5%.
Theyāve had this policy for a few years now and I doubt theyāll be changing any time soon due to competition ā Chase, CapOne, and AmEx also allow combining points from multiple cards and using all the best benefits: earn 5% UR on Freedom and Ink, redeem at 1.25x/1.5x or transfer to partners with CSP/CSR; earn MR with Green, Gold, or checking, redeem with Platinum (35% back), etc.
A new Rewards+ would get you a 10% boost to any TY points you havenāt cashed out yet, plus a 20K SUB (worth $220), plus 0% APR on purchases. The SUB and APR are worth more than anything youād get out of a BCP.
Whatās the best Citi card?
DoubleCash for 2%-2.22% on everything.
CustomCash for 5%-5.55% on one category, 20K SUB, 0% APR.
Rewards+ for the 10% redemption bonus, 20K SUB, 0% APR.
Premier for the 60K SUB after $4K spend in 3 mo. The SUB fluctuates, was 80K a year ago. $95 AF not waived. This one also pays 3x on groceries, restaurants, air travel, and hotels.
āThe bestā depends on whether you can make the 0% APR worth more than ~$345 (after tax). Pick your poison. I got Premier almost a year ago and will PC to Rewards+ before AF hits.
Not mentioned because probably canāt PC them are ShopYourWay (see barryās post just above this discussion), Costco (requires Costco membership) and AAdvantage Platinum (personal and biz just for the SUB). All are good in their own ways.
Thanks for the info. Iām looking at the various cards.
DoubleCash would be the replacement for Alliantās 2.5% if Alliant introduces more restrictions on it.
Did you have to pay an AF for Premier? The SUB is now 60,000 points for $4K spending in 3 months.
Citi Double Cash card 2% on everything! The best and only way for me.
Iāve had this card for āI donāt know how many yearsā. Charge everything!! Take my cash 
$4-500 every couple months. 
Iāve been leaning to the Citi Double Cash card but still spend enough on Alliant that I m earning 2.2% after the āfeeā ($50 lost interest on $1K kept in checking).
Youād earn an extra $100 every year if you also had a Citi Rewards+.
Yes. According to uscreditcardguide (an excellent and probably the only source on CC SUB, AF, and min spend history), they havenāt waived AF for the first year since ~2019. IMO Premier card is not worth keeping, but the SUB is decent even with the AF and can be churned every 4 years under the current rules.
The breakeven annual spend between DC and Alliant at 5% interest rate, not accounting for tax on that potential interest income, is:
- without Rewards+: $1,000*5%/(2.5%-2%)=$10,000
- with Rewards+: $1,000*5%/(2.5%-2.22%)=$17,857
In 2022 Alliant Visa rewards came to 2.36%. Iām expecting the same or more for 2023, but less in 2024 because I can no longer use it for $20K rent.