So the preferred merchant category can change each month ?
3% on Gas one month if your charge amounts are highest in gas, 3% on appliances the next ?

Thanks OP.

newgun said:xoneinax said:So the preferred merchant category can change each month ?
3% on Gas one month if your charge amounts are highest in gas, 3% on appliances the next ?

Yes it could change. I wouldn't use it to buy gas/grocery cuz there are bunch of cards that can get 5% on those.

Has anyone been able to apply for this card by calling RBS directly, without having received a letter?

bluegenie said:I'm having trouble finding a URL to apply(or get any info) for any of their cards in the US. www.rbs.com has credit cards in the uk but nothing for the states. Anyone have any luck?


Their US website is here. But you can't apply for the CustomCash Platinum Rewards Card there. Instead, you can apply here (only when you are invited, with a reservation number)

It's strange that the UK RBS doesn't mention RBS National Bank in the US, and RBS National Bank doesn't mention UK RBS, but they sure use the same logo.

I got a letter last week telling me that one of my existing RBS card will be converted to this. I'll have to start using it once my 0% promo expires

Something the OP did not mention (or maybe it's just my offer? but I doubt that) is that the definiton of "most used" changes from one month (cycle?) to the next. In other words, whatever category you charged the most to >that month< gets 3% Makes it a LOT hotter IMO. So you could get 3% off your plane tickets one month, then 3% off restaurants the next. You don't have to chose category, they give you the 3% on whatever category totals most. A very nice card to fit into my snatch of cards (this one for gas, this one for grocery, this one for restaurants). Though my wallet definitely is getting FAT!

I'm traveling for work now but will try to post more details when I return, by the weekend. Among other things they gave a list of categories.

JazzyfromCO said:I received 2 separate offers for the 3%

Does anyone have any background/credibility information on this company?what do you mean credibility? they are legit and part of a large banking conglomerate. you can research their company by visiting their website.

they recently bought peoples bank accounts....their legitimacy is not something to worry about

Merchant Categories:

General Retailers, such as department stores and discount stores
Home Improvement Retailers, such as home supply warehouses and hardware stores
Specialty Retailers, such as greeting card stores and antique shops
Grocery Stores
Service Providers, such as beauty salons and auto repair shops
Catalog & Direct Merchants, such as catalog merchants and telemarketing merchants
Restaurants
Gasoline Stations
Sports & Leisure, such as sellers of tickets to sporting events and movie theaters
Transportation (non-airline), such as auto parts stores and railroads
Clothing and Accessories Retailers, such as shoe stores and children's clothing
Pharmacies/Medical, such as pharmacies and opticians
Hotels
Utilities and Associations, such as electric companies and gym memberships
Electronics and Appliance Stores, such as computer software stores and household appliance stores
Airlines

Anything that doesn't fall into one of the above categories is not eligible for the 3%.

ZackVLion said:i spend about 6-8k/month on one certain category for my business. this would be perfect.....must..get...one...the 3% reward doesnt apply to massage and relaxation therapy and gentlemen's club charges. sorry.

if you are talking about other business categories, the Advanta 5% card is nice

lonestarguy said:ILikeDollars said:Had an old card that was converted to this about a month ago. Just got my statement, where I spent $32.12 at a restaurant. My statement shows "3% CustomCash earned: 1". Odd that the customcash is 1 pt = $1, as usually CC companies do something like 1000 pts = $1. It will be interesting to see how their rounding works (in other words, are they just rounding for my statement, or are they rounding the rewards points actually earned).

I just got my first statement. For me at least they seemed to round up both the 1% and 3% categories to 3 and 7 points respectively. Anyone see where they rounded down?

Yes there are round ups and there are round downs.