Most of us would be set if only we all could get like a dozen citi custom cashes

@Vub.

4 ай бұрын

I think you can get 3

@dylanboyle-levy9026

4 ай бұрын

@@Vub. As of last week I have four. Just changed a Citi AA card to another custom cash.

@leevin2330

2 ай бұрын

@@dylanboyle-levy9026 what were the other 2 cards that you PC-ed to the custom cash?

@leevin2330

2 ай бұрын

@@dylanboyle-levy9026 Thanks for sharing the info. This really motivates me to get another Citi card and PC. What were the other 2 cards that you PC-ed into the custom cash? And how long do often wait between the card opening and the PC?

@DL-1

Ай бұрын

Exactly...

Hey, I was just notified of this video! This is my reddit post. Thanks for featuring my setup!

@TheCreditShifu

9 ай бұрын

Awesome! Just curious, do you do something with real estate? Hence the home depot etc cards?

@tsmatmap

9 ай бұрын

@@TheCreditShifu I dont! Years ago I was getting any random card, no real goal in it until I learned about cash back possibilities. Thats when I decided to make my 5% cash back setup on almost everything. I then take that money and put it into my HYSA and make even more money. My sock drawer is full of old cards now.

@TheCreditShifu

9 ай бұрын

I see, well it is a great setup, and great to put that cash back to work earning interest.

@luci_lol

9 ай бұрын

@@tsmatmap Great setup, was wondering what was your roadmap in getting the multiple Custom Cashes and Cash+'s? Did you apply back when Citi allowed multiple cards, or did you product change? And how long did you wait between each one?

@tsmatmap

9 ай бұрын

@@luci_lol Ive read that Citi is still allowing multiple cards. I had a Double Cash card and a Citi Custom Cash, then product changed from the DC to the CCC. I dont remember how long in between though, Im sorry. My 3rd CCC is under my wife's name and Im an authorized user.

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Fun video Ben. Tbh my cash back card setup is slowly morphing into what you just showed here as I keep seeking the sweet 5% rate for everything. Cheers!

I dont know I think he needs a few more Custom Cash and Cash+ cards

Hi 👋 why not the AAA Visa Signature 5% grocery and not annual fee 😮

@jefflange2340

10 ай бұрын

That's what I do to free up my second Citi Custom Cash for other categories

@nobom

8 ай бұрын

Shhhh. We don't want that card to become too popular that AAA ends up changing the %.

Pretty similar to my setup! I have 2 cash+ cards and I'm about to get my second custom cash, I also paired those with a rewards+ to give it 10% more value. I also have the Chase and Discover rotating category cards so if they cover a category then the custom cashes can be reconfigured as needed like for a yearly gym membership.

Blue Business Cash evolves into Ink Business cash by the end of the video 😂

@michaelb9153

10 ай бұрын

So happy someone else noticed this! I was waiting for the ending of which of these cards changed leave in the comments below lol

Sounds like this person has airbnbs because furniture stores and home improvement stores sounds like us when we did that biz.

@TheCreditShifu

10 ай бұрын

That makes sense

Great video! Fun to be able to watch some of the different 5% cards out there, especially that 🦆 card at the time it was 5%! Enjoyed it very much and hope to be able to get myself 2-3 custom cash cards or cash + cards myself! Pretty crazy that person had three of both!

I love your content. It has made huge difference in my life. Keep it up.

Isn’t Sam’s Club also 5% on gas?

Ducks Unlimited is one of the biggest and oldest conservation groups in the US, they buy up wetlands to preserve duck habitat.

This setup is very “niche” with all of those store-branded cards. I wonder if this person could be a good fit for the U.S. Bank Shoppers card if they’re loyal to all of those stores. The Kroger card is indeed a sleeper with that mobile wallet category. Also, no Chase Ink Cash card?

WOW. this is the best video out there for us who are trying to max rebates. Thanks

That's way too many cards

I am from india.. i have sbi cashback card flat 5% cashback on all online payments… purchase giftcard from 3rd party and saving average around 8-10% almost all categories

I have 4 Citi custom card: 1 for restaurant 1 for gas 1 for grocery 1 for transit

@maximmireyev4225

9 ай бұрын

How often can you apply for Citi custom card?

@sachanprusty3365

9 ай бұрын

@@maximmireyev4225 I don't know...maybe only once the first time. But I have product change: Double cash, premier and AA Aadvantage I keep at least 3 months of gap.

@Bhadbabie

5 ай бұрын

With a product change or just applied again?

@sachanprusty3365

5 ай бұрын

You can apply once only I think. I did product change: Citi American Airlines, Premier and double cash to Custom Cash

That credit card setup hurts my brain.

I have the grandfathered Ducks Unlimited too!

Ben, what’s the rational behind closing one of your three chase freedom cards?

Or you know. Don't go out to restaurants so often you'll save more ....

Whoever has these cards is my hero 😮

There has also been a few DPs that Citi won’t do a PC anymore to the CC if you already have it.

@TheCreditShifu

10 ай бұрын

Thanks

Of the store cards features, I have them for Target, Walmart, PayPal, and Amazon. I have the AmEx BCP for groceries and streaming and gas. I don't drive a lot so I'm fine with the 3%, however I currently have Walmart Plus, so I also get 10 cents/gallon discount on gas at Sams Club and Murphy Express. I do have the Citi Custom Cash for Restaurants and Double Cash as "everything else". I'm considering getting the Citi Rewards Plus for the TYP round-up for small purchases and 10% bonus when redeeming TYP.

@Spencerwalker21

10 ай бұрын

A good sock drawer card is the us bank cash plus 5% on two different categories im using it for my cox internet bill and the other caterogy I've chosen is furniture stores need a new couch soon.

@Spencerwalker21

10 ай бұрын

Bcp I have it it's great but have you considered getting the freedom flex that 5x grocery offer is incredible especially because it'll stack with the rotating caterogies.

@sincere355

10 ай бұрын

@@Spencerwalker21our internet provider has taken away the auto pay discount if you use a credit card so the 5% not helpful anymore since the auto pay discount is $10!

Can you CONFIRM that this CITI CUSTOM CASH card can be used in ALL grocery stores including Walmart, Sam's, Costco, Target ? The AMEX BLUE CARD DOES NOT INCLUDE THESE STORES

@TheCreditShifu

Ай бұрын

Hi, those are not grocery stores walmart codes as super-center, so does Target, Costco and Sam’s are wholesale

February 2024: You can still product change from the Double Cash to another Custom Cash even if you already have one.

at that point bro is obbessed, its not even about saving money anymore. he needa focus on making more money rather than saving those pennies and stressing out. insanity imo

If he looks at his category spend that US Cash Plus card would be better than him using that Best buy card or the Lowe's card especially if he spreads out the 2k of spend

200k subscribers 🎉🚀

@TheCreditShifu

10 ай бұрын

🎉

Is there any credit card that gives 4 or 5% for online shopping other than amazon or Walmart card?

@conservativedeveloper7289

3 ай бұрын

The Bank of America Cash Rewards card give 3% on upto $2500 every quarter for online shopping. Anything you purchase online (even flights and travel) counts. It get's bumped to 4.5% or 5.25% if you have at least $50k or $100k invested at Merrill Edge.

I have an authorized user on my Citi custom cash do they get their own 5% or is it shared since is the same account????

@jeromehenry4484

2 ай бұрын

That 5% Cash Back will only be credited to you as the Primary Card Owner, but it will help build their credit profile and help build your cash back stash.

I have 2 Custom cash cards. I PC from Prestige.

Hey Ben, hope you do a 'What's in my wallet video' soon for Q4. Would love to see! Have a good week!

I love this real office background more than the fake green screen one!

@TheCreditShifu

10 ай бұрын

The other one isnt green screen, its a TV. But yeah I am thinking about making a new physical set

Is there a card/setup which can earn 5% back on costco?

@dannywilson5135

10 ай бұрын

US Bank Altitude Reserve gets 4.5% cash back when paying with mobile wallet and then redeeming earned points via Real-Time Mobile Rewards on travel purchases.

The only question is, am i spending more in INTEREST than i am getting cash back.

@TheCreditShifu

6 ай бұрын

Right, aim to spend $0 in interest by paying them off every month

@neighner2392

5 ай бұрын

Don't get cash back cards if you think you will carry a balance. There are cards with lower interest rates for that.

@jeromehenry4484

2 ай бұрын

@@neighner2392 I usually apply for a new card 6 months apart. First I look for 12+ months 0% APR, then Sign Up Bonus, and lastly Categories. Always want to have 1 or 2 cards with 0% APR "just in case" a need to cover a big expense arises & cannot payoff in full every month.

How did an Ink Cash get in here 13:43

I guess that person doesn't do online purchases outside of those expensive stores like Amazon, Lowes, Target, Home Depot and Best Buy. If you want to buy on ebay or any other website, the Paypal credit card doesn't offer 5%. It's 3%.

Why not just make it easier and get a 0% APR card for nearly 2 years. Then dump all the money that you would normally spend paying it off each month into a high interest CD

@kevinjames8050

10 ай бұрын

Sounds great as long as you aren’t concerned with increased utilization and the associated perceived risks to lenders (e.g., bust out)

@petmey5281

10 ай бұрын

definitely not worried about it. I have zero debt other than the debt that I'm using to make a little extra money from and above 800 credit score.

@harrisonchan2699

9 ай бұрын

5% rate has not been that prevalent until this year even then most online banks are still ~4.5%

@petmey5281

9 ай бұрын

5.5% CD rates or more is attainable fairly easily now, also 5-year annuities are up to 6.45%@@harrisonchan2699

@circletech7745

9 ай бұрын

You forgot you need to pay taxes on interest earned from t bills or savings. Credit card cash back is tax-free.

What's product change? Need that 2nd Citi custom card!😂

@TheCreditShifu

5 ай бұрын

When you call up and ask if you can convert a card into another type of card. With citi you can go from any card to any card,

What does he mean by product change?

@mikegoodwin2386

8 ай бұрын

If you have a credit card, sometimes the bank will let you change it to a different credit card within the same bank, keeping the account history and usually the card number. By doing that you can get a card with a reward structure that better suits your needs without having to apply for a new card. I changed my Wells Fargo Active Cash to an Autograph. My Capital One Platinum was changed to a Quicksilver and later changed again to a SavorOne.

@neighner2392

5 ай бұрын

For example, if you have a Citi Double Cash card you can call Citi and ask them to do a product change to the Citi Custom Cash card. Now you have the Custom Cash card and no longer have the Double Cash card. No hard hit to your credit because you are already their customer.

Great for him but seems over optimised . Too much head space to calculate the right one for each store

I want to buy a Rolex daydate ~~~ $42,000, what card/cards would be best to use for that??? My dealer is very chill so I could probably charge money on multiple cards

@investor9482

10 ай бұрын

When in double, a double cash at the minimum. Maybe 5% on mobile pay with kroger and then some kind of jewelry card. Alternatively, double cash with 15 mo 0%apr and investing the money in a 12 month CD and 6 month CD (leave some in 6mo tho pay the min payments) would be best

@nicknedelcu

10 ай бұрын

@@investor9482 the 0% APR and investing the rest in a CD is an OP move that I haven’t thought of. Thank you!

5% is my backup in case my 10% cashback goes over 2k limit/month

@Bhadbabie

5 ай бұрын

How you get 10%?

I have the Amazon Prime, Target Red, Best Buy and Citi Custom Cash. I only carry the Custom Cash for gas.

What about the discover it cash back card offering 10% on rotating categories? That’s a no brainer!

@Spencerwalker21

10 ай бұрын

It's great but just the first year bonus it goes back to 5% but still good card but I prefer the freedom flex more useful points easier to rack them up and you get a sign up bonus.

Lololololol😂😂😂😂😂😂 Just keep getting Citi Custom Cash Cards?!

Ben, use some of that cash back and buy some new t-shirts!

@TheCreditShifu

10 ай бұрын

That shirt has a "pre-torn" collar

@Truth845

9 ай бұрын

😂😂

And I'm curious now to see how many "first" comments show up

I've got 30 grand in 0% financing for nearly 2 years

PC to citi custom cash is dead

@ryansebers396

10 ай бұрын

Not necessarily, still current DP’s showing successful PC’s, mixed with denials, so it’s hard to know the real truth at the moment.

the only chase card was the amazon...interesting!

this guy must be scared of air planes! wow!

@neighner2392

5 ай бұрын

some people don't travel for various reasons, not just being scared of planes.

Absolutely the Amazon visa is a no brainer, but the Prime membership is a total smooth brainer. Take 3% for free.

@TheCreditShifu

10 ай бұрын

If you have prime anyway, which gets you free delivery on most things, then you dont pay any extra for the card

@rene.s.s

9 ай бұрын

@@TheCreditShifu if you don’t pay for Prime you save $140 and get free delivery anyway.

@schneemann-fy6gi

6 ай бұрын

​@@rene.s.sme, they show up almost as fast anyway

What country are you in? 😜

@TheCreditShifu

10 ай бұрын

🇺🇸

@mattball2700

10 ай бұрын

@@TheCreditShifu If only there was some way to know from your background. (Just joshing around.)

Now that I have an EV I laugh at 5% cash back on gas since I get 73mpge and am am not subject to fluctuations on gas prices.

@schneemann-fy6gi

6 ай бұрын

Good luck when it's cold

Pinned Comment: View important disclosures and sign-up on Stash to redeem your $25 bonus here, T&Cs apply: bit.ly/47EeM6F Read the original reddit post here: www.reddit.com/r/CreditCards/comments/16b0mlr/credit_card_setup_that_maximizes_5_cash_back_as/

Get 10%. 5% too low

@YuhNinja

10 ай бұрын

Nothing gives 10%.... And if they do it's not equal to 10c/$1. Or you need to use it for travel.

@Spencerwalker21

10 ай бұрын

Only 10% are intro first year things like the discovery it or the new bonus on the freedom unlimited offering 10% on travel 6% in dining 3% everything else