The ULTIMATE Credit Card Setup for 5% Cash Back on EVERYTHING!

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[@pishposh4506]

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

[@Vub.]

I think you can get 3

[@dylanboyle-levy9026]

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

[@leevin2330]

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

[@leevin2330]

@@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]

Exactly...

[@tsmatmap]

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

[@TheCreditShifu]

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

[@tsmatmap]

@@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]

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

[@luci_lol]

@@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]

@@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.

[@ShannonLeeSD]

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!

[@TheCreditShifu]

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/

[@terrelmoss1444]

Video Suggestions -Best Credit Union Cards -Best Beginner Business Cards -Best Card 6% Cash back Cards 2023 -Best Card for Each Category 2023 -Product Change Rules from Each Issuer 2023 -Best Credit Cards for Big Purchases

[@ab3040]

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

[@anandr1385]

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

[@michaelb9153]

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

[@DuhIdiotMoney]

The first search result for the Kroger card indicates it also gives $0.25/gallon off on gas (!) at Kroger fuel stations. I didn't dig to see if that's still a thing. And it wouldn't help me much anyway, as I'd burn around $6 in gas round trip to the nearest such station and don't have at least a 24-gallon tank to break even.

[@russellstewart9012]

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

[@Adiscretefirm]

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

[@AshleyOliviaDaCosta]

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

[@TheCreditShifu]

That makes sense

[@PhoenixSniperTTG]

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.

[@warrenescalona3033]

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

[@jefflange2340]

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

[@nobom]

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

[@bethearl8686]

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

[@OfficialMichaelGlathar]

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!

[@awashkowitz7156]

The citi custom cash card is only 5% in up to $500 in your top category each billing period. Current economy makes that too easy to surpass for gas, groceries etc….

[@yoddy0]

That credit card setup hurts my brain.

[@sachanprusty3365]

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

[@maximmireyev4225]

How often can you apply for Citi custom card?

[@sachanprusty3365]

@@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]

With a product change or just applied again?

[@sachanprusty3365]

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

[@adamx6000]

Whoever has these cards is my hero 😮

[@TobyMayne1]

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

[@avsterbone]

I have the grandfathered Ducks Unlimited too!

[@sleekhairedchocolate]

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

[@daniellee6398]

Isn’t Sam’s Club also 5% on gas?

[@CraftyComeLately]

That's way too many cards

[@AndysCreditCorner]

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?

[@arinmontgomery2798]

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

[@jaiprakash9920]

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

[@curmudgeonextraordinaire1884]

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

[@TheCreditShifu]

Thanks

[@AndroidisPreferred]

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

[@TheCreditShifu]

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

[@Pedrohbsantos01]

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

[@amaurys7384]

200k subscribers 🎉🚀

[@TheCreditShifu]

🎉

[@Ciborium]

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]

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]

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]

@@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!

[@caribdude8151]

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

[@scremingwhisper1720]

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

[@77Joseph777]

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

[@InMyBrz]

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]

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

[@JTL1776]

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

[@TheCreditShifu]

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

[@neighner2392]

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

[@jeromehenry4484]

@@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.

[@officialdreamrmusic]

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

[@TheCreditShifu]

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,

[@petmey5281]

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]

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

[@petmey5281]

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]

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

[@petmey5281]

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

[@circletech7745]

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

[@highway67theband]

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

[@4pho4]

How did an Ink Cash get in here 13:43

[@michaelkim2147]

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

[@Bhadbabie]

How you get 10%?

[@TobyMayne1]

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]

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.

[@petmey5281]

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

[@waterboy5164]

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

[@conservativedeveloper7289]

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.

[@russellstewart9012]

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

[@GRice999]

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

[@TheCreditShifu]

That shirt has a "pre-torn" collar

[@Truth845]

😂😂

[@NormanOrtiz]

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%.

[@ChintanCG]

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

[@adamx6000]

What does he mean by product change?

[@mikegoodwin2386]

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]

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.

[@anuraglengure8054]

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

[@dannywilson5135]

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.

[@kaina732]

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

[@Embrxceyourdemons]

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

[@Spencerwalker21]

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.

[@wrxdrunkie]

PC to citi custom cash is dead

[@ryansebers396]

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.

[@nicknedelcu]

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]

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]

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

[@djtfp]

this guy must be scared of air planes! wow!

[@neighner2392]

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

[@alexandermugatu2810]

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

[@rene.s.s]

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

[@TheCreditShifu]

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]

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

[@schneemann-fy6gi]

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

[@mattball2700]

What country are you in? 😜

[@TheCreditShifu]

🇺🇸

[@mattball2700]

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

[@juustjoshin]

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]

Good luck when it's cold

[@davidshi5539]

Get 10%. 5% too low

[@YuhNinja]

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

[@Spencerwalker21]

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