Question 1

When do Customized Cash Rewards benefits expire?

Accepted Answer

Customized Cash Rewards benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 2

How do I track Customized Cash Rewards benefits?

Accepted Answer

Track Customized Cash Rewards benefits by: 1) listing all 8+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 3

What are the Customized Cash Rewards earning rates?

Accepted Answer

The Customized Cash Rewards earns: 3x on At drug stores and pharmacies (choice category, $2,500/quarter combined cap), 3x on At gas stations and EV charging (choice category, $2,500/quarter combined cap), 3x on At restaurants (choice category, $2,500/quarter combined cap). Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Customized Cash Rewards

Customized Cash Rewards

Earning Rates

Card Benefits

Travel

Entertainment

Account Services

Credits

Insurance

Card Details