[Extended] Citi Custom Cash In-Branch & Credit Karma $300 Signup Bonus Offer

Update 11/3/21: Some people are seeing the $300 offer via Credit Karma as well. Here’s the Credit Karma link. Hat tip to mashapoil

Update 10/30/21: Extended again through 11/4/21. Hat tip to reader Mariah

Update 7/11/21: Still available as of yesterday, no word when it’ll end. Hat tip to reader Como

Update 6/25/21: Extended through 07/01.

Update 6/18/21: Extended through 6/24/21.

The Offer

No direct link, branch offer

  • Citi branches have an offer on the new Custom Cash card to get $300/30,000 ThankYou points when you signup and spend $1,000 within 3 months.

Offer expires on 6/17/21, per bank flyer.

Card Details

  • No annual fee
  • Card earns 5% cash back/points on your top spend category of the month, up to $500 in spend ($25 cashback) per month. Categories include things like Grocery, Dining, or Travel and more.
  • Card earns 1% cash back on all other purchases.
  • Cash back is earned in the form of ThankYou Points, which can be redeemed for cash back as a direct deposit, check or statement credit. Or cardmembers can choose other ways to redeem points, including redeeming for gift cards, charitable donations, travel, Shop with Points at Amazon.com, and more.
  • Low introductory rate on purchases and balance transfers for 15 months.
  • Foreign transaction fee is 3% of the U.S. dollar amount of each purchase.

Full details can be found in our review on the card here.

Our Verdict

Online signup bonus is just $200/20,000, this branch offer is slightly higher spend and a nice extra $100/10,000.

Hat tip to reader PI and reddit_3001

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NY
NY

Instant approval…stingy credit limit, but Citi is like that for all my cards. Pulled Equifax as in the comments (thanks folks for all your data points), as that was the only report I unlocked in advance.

First new account in 36+ months…getting back into the account churn game.

TKO
TKO

I just got approved for the Custom Cash card per the Credit Karma link. Thank you!

fearthez
fearthez

Just got denied for the Citi CC using the CreditKarma link. Currently 8/24 overall but Citi pulls Equifax for me which is showing only 0/3 1/6 1/12 1/24 for inquiries so I’m honestly kinda surprised by the denial but oh well. CreditKarma did show a fair approval odds but I figured I’d try anyway. Will get the letter in a week or so with their reasoning so we’ll see what they say. The 1/6 was a Citi Premier so maybe they don’t like how quicky I’m opening up their cards 🤷‍♂️

DW
DW

To anyone who recently got the 20,000 TY points SUB, I was able to get Citi to match me to the 30,000 TY points bonus without the additional $250 in spending. Here’s how I did it:

• Called Citi customer service about 4 times, none of the reps had the power to credit me the points, except for one rep that gave me a courtesy 1,000 TY points for the inconvenience. I was eventually told by a supervisor to send an email to citiapplicationofferissues@citi.com with screenshots of the updated SUB, my name, and my Custom Cash card number.
• After a few days, I saw the 10,000 TY points credited to my account as well as the 1,000 TY points! At the time I had already spent the $750 but I hadn’t received the 20,000 TY points from the SUB yet.

Good luck to anyone else who gives it a shot!

James Bond
James Bond

Thanks for the info! I just sent an email to Citi.

Sammy
Sammy

I was denied for this card on 8/21 due to length of time accounts have been established, too many recent opened accounts, and combined credit lines on satisfactory accounts is too low ( the offer was the standard $200 spend). They pulled Equifax which showed 0 inquiries in the past year along with 0 new accounts at that time. However, I applied again today 11/13 and was approved for $6700 along with receiving the increased $300 spend bonus! This includes 4 recent hard inquiries from 8/21 along with the 2 new credit card accounts opened that same day (the initial Citi App and Capital One Savor were declined that day). The FNBO card I had also recently applied for this month didn’t seem to affect the decision as it didn’t show on My Equifaxreport yet. All in all, I was quite surprised given the 2 month wait between the applications!

Jatan
Jatan

CK showed “outstanding” approval odds for family member — CK scores 798 TU and 813 EQ.

They applied and got approved for $5700 limit (pulled Equifax in Illinois) — was able to get temp card info with $600 limit to use until physical card comes in.

No other Citi cards in recent years (closed long time ago) but long credit history — no loans and recent cards: CSP in Oct 2021, CapOne QS Jan 2021, CFF Sept 2020.

I might apply for it later on in Dec — still working on other min spend

ReverendK
ReverendK

Denied via CK link, 750 TransUnion. Called recon, was cited low age of existing accounts and too many accounts open in last 12 mo. AAoA is 1y10mo, oldest is 3y6mo, opened 4 cards over the last year,

solakbeyi
solakbeyi

Denied via Credit Karma link, 752 Experian, no installment loans. 5 inquiry in the last 24 months in the Experian.

Phill
Phill

Just checked my CK and noticed this backdoor bonus increase. Applied. Insta approved. 6.5k CL/ 800+ credit report both Trans and Experian. #sharingtheDP Good luck everyone.

Last app was Citi Prem for the 80k SUB also when it launched for that bonus.

ken
ken

it’ also 300$ signup bonus on Experian dot com, i guess it’ the normal bonus everywhere now.
i went to the bank to apply and got denied.
a month ago, i did a 5000$ balance transfer (0% APR for 1 year with 2% transfer fee) to my bank account and my score score dropped 20 points !
this bank rep asked if i have any payment, i told her 600$ car payment. why would you ask that?
that car payment is already in my credit report, so maybe i got denied cus she added the extra 600$ payment that i be paying each month.
i have 5 inquires the last 24 months, experian 790