I've had an RBS card for about a year, haven't used it since a 0% BT. Just received my letter letting me know my card has been upgraded to the CustomCash Program (looks like they actually send a new card. Looks like it could be useful if you plan ahead for major purchases/expenses. A nice addition if you already have 5% cards for common categories and a 1.5-2% for everything else, this would fill in nicely for those categories that are rarely treated as special by card issuers.

Here is the info from their brochure:

Every month, you automatically earn a full 3% Cash Back for purchases you make in the Merchant Category in which you spend the most money. One month it might be Grocery Stores, the next month it could be Restaurants. The point is, you always earn your 3% Cash Back -- every month.

All other purchases earn you a full 1% Cash Back.

Redeeming is easy. Earn $15 and automatically receive a check in your statement.
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Current merchant categories are:

General Retailers
Home Improvement Retailers
Specialty Retailers
Grocery Stores
Service Providers (such as beauty supply and auto repair shops)
Catalog and Direct Merchants (hmm, 3% back on Dell ...)
Restaurants
Gas
Sports and Leisure
Transportation (non-airline)
Clothing and Accessories Retailers
Pharmacies/Medical (3% back on a major dental or medical would be nice)
Hotels
Utilities
Electronics and Appliance Stores
Airlines

I just noticed that (online at least), they are now reporting customcash credits in decimals. I've been average about 2-2.5% CashBack per month. This is a great card. Customer service has been outstanding too.

I have had a peoples now RBS card for about 10 years and all I have ever seen was the 1% Cash Back I have always got. I went to their site and found nothing about any rewards card. I am thinking maybe they don't like me as I have never paid any interest and my wife and I use the card for everything including college tuition so get some nice checks back every month, So like the previous poster I was wondering if anyone has a link to that new card. Thanks in advance

Just called and was told you cannot apply unless they send you an invitation. This reminds me of my peeve of banks offering better rates to new customers. Guess my 10 years as a loyal card holder means nothing. Felt like closing my account right then but I know closing a long standing account can hurt your FICO score. So I will just put those cards away and shop for a better rewards card. I have a 793 FICO so getting the best deal out there will not be a problem. So I guess I will have to start searching here unless some nice FW'er could give me any tips of what the best reward card is for someone who pays balance in full so interest rate does not matter

be creful if calling in to threaten cancellation..see my experience here
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=517432&highlight_key=y&keyword1=rbs

seems that just being transferd to cancellation dept may trigger auto closure

the best CashBack cards for someone who pays in full are listed here
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=409166&highlight_key=y&keyword1=current

scott1961 said:Just called and was told you cannot apply unless they send you an invitation. This reminds me of my peeve of banks offering better rates to new customers. Guess my 10 years as a loyal card holder means nothing. Felt like closing my account right then but I know closing a long standing account can hurt your FICO score. So I will just put those cards away and shop for a better rewards card. I have a 793 FICO so getting the best deal out there will not be a problem. So I guess I will have to start searching here unless some nice FW'er could give me any tips of what the best reward card is for someone who pays balance in full so interest rate does not matter

were you invited?? if so you can call rbs and ask.

if you were not invited it doesnt matter. there is no way to apply for this program unless invited

Does anyone know if the Platinum MasterCard on the homepage of www.rbsnb.com is easy to obtain with little/no credit? Please, anyone with experience with RBS credit approvals/denails?

didYOUsearch said:be creful if calling in to threaten cancellation..see my experience here
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=517432&highlight_key=y&keyword1=rbs

seems that just being transferd to cancellation dept may trigger auto closure

the best CashBack cards for someone who pays in full are listed here
http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=409166&highlight_key=y&keyword1=current


DYS, I went and read those threads and I guess it's a good thing I did not ask about canceling. You seem like a guy who has never paid a penny in interest and I think that's the problem, They don't make enough money with us. I checked out those other rewards and saw the highest Cash Back were Chase, but drawback is it's capped at $600 and Citi Dividend which at first does not list a cap but I did find this in it's disclosure: • You may accumulate a maximum of 300 Dividend Dollars in any calendar year (eligible transactions appearing on your January – December billing statements). So is that one capped at $300? Would prefer to stay with my RBS since I have had it so long so might try talking with someone at Citizens bank, Which is owned by RBS, Maybe they could get an invitation sent to me.

GradStudent said:Is there any cap on earnings?

There are no caps on earnings. This is by invitation only. Checks are issued automatically in the billing statement in multiples of $15.

What surprises me is how broad the categories can be. Target, Target.com, and Michael's and Foleys, Macy's, etc are all in "General Retailers". One month, my auto repairs and hair cut got 3% under "service providers".

There was no application for it I can find online, and as others said, its an invite only and I remember its offer codes were one time only. In some ways I am glad it is, as targeted offers like this are less likely to be abused if the vendor can offer and and still be profitable. Here is the website for it:Customcash Card info.

mofowutz said: how easy or difficult would it be to be converted to the CustomsCash? Thanks again.

I know that applying for the CashCustoms card is only availible online to people with invitation codes, but has anyone tried calling the 800 number and lied to the rep and said you have a invitation via mail?
Would say you have absolutely no chance. Including my time as a Peoples card holder, which RBS bought I have been a customer for over 10 years. Have a very high limit with them and have never once been late with paying off balance in full every month. I called and was told no, Invite only and that I would have to stick with my regular 1% reward.