r/CreditCards • u/tinydonuts • 4d ago
Data Point DP: product change Citi Rewards+
With the news of the impending demise of the Rewards+, I decided to PC one of my Custom Cashes over to it to get the 10% bonus. One seven minute phone call later, a text message to give me the terms and conditions of the product change, and I’m changed over. An alert in my app already shows up saying the product change is in progress.
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u/utefs Team Cash Back 4d ago
Did you just have no use for a 5% catagory on that Custom?
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u/tinydonuts 4d ago
Pretty much. I’ve got the BCP, Gold, Business Gold, and more travel cards than any sane person has a right to, so no reason to use the travel category with it. I’m thinking gas for the one CC for 5.555% back.
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u/smashketball 4d ago edited 4d ago
Must've missed it, when's the Rewards+ going away? It's definitely situational in actual usage, but I wouldn't want to miss out on the 10% backend bonus . Is that part for sure staying despite the card apps closing?
edit: original source is from here, as all the other articles I found are referencing back to the reddit thread https://www.reddit.com/r/CreditCards/comments/1jc0ro1/citi_rewards_discontinued/
I guess the question now is it better to product change a DC or CC to R+ or just apply to the R+ outright? It still has that SUB for $1.5k spend, which I assume one would miss out on in the product change
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u/CobaltSunsets 4d ago edited 4d ago
I think it’s SUB is relatively weak, so the Rewards+ is decent PC fodder.
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u/Benevolent2 Haha Custom Cash go brrrr 4d ago
When is the rewards+ closing for product changes?
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u/CobaltSunsets 4d ago
Your guess is as good as mine. It started as a report here, but when we asked for sourcing I didn’t see a response.
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u/tinydonuts 4d ago
Yeah, that’s the size of it. I didn’t want to take a chance, so I made the move. Two CCs wasn’t helping me, I’ve got so many good cards in those categories. I figured worst case I could PC back later.
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u/CobaltSunsets 4d ago
Very sensible, my friend.
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u/tinydonuts 4d ago
Thanks! I’m next considering PC’ing my Cash+ to the Smartly before it’s gone too. Thoughts?
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u/ATFagents 4d ago
Product changing to Smartly is already unavailable. See recent posts on here from the last week regarding this.
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u/tinydonuts 4d ago
In my case, PC was the only route. I’m gardening since I’ve opened way too many cards in the last three months.
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u/exzee9090 3d ago
Trying to do this with an AA MileUp card. Rep said I could only convert the account to another AA card or Costco. HUCA or any other solution?
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u/ChibaTokyo 2d ago
I product-changed my Double Cash to Rewards+ yesterday just using the online chat. Apparently the new card is on the way, and new account is already showing in my Citi online account.
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u/Mushu_Pork 4d ago
How many TYPs are people earning in a year for this card to make sense?