All spend on Citi TY Mastercard?

Discussion / Conversation

I have around 5 offers active ranging from the typical GGR, online and in store retail, online spend, spend $1500 get $75, spend $375 per transaction and get $25, and there’s probably more because I can’t even keep track anymore.

I have conceded and am just going to put all my spend on this card for the next few months and see how it works out, which I imagine is the entire point behind how this card is structured. I feel like I’m actually going crazy - not only trying to track all of these promos, but wondering if each charge will categorize correctly into all the different buckets. Idk how people do it mentally long term. 6 months in and I’m cooked.

The regular categories themselves are pretty good with 5x on gas and 3x on dining and grocery anyways, so I feel like this could actually become the catch all card that I never knew I had and since 1x purchases will get a boost on the spend x and get x% offers, this could actually work.

Just wondering if anyone else has gotten to this point and if my thinking on this is sound?

Posted Dec 7, 2025, 12:41 PM UTC

2030
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