Best for no-headache, no-annual-fee cash back in a select category
This card offers true flexibility to earn rewards depending on your spending habits. Adding the Custom Cash may also be a good idea for existing Citi cardholders seeking to maximize their rewards.
At a glance
- 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
- 1% Earn unlimited 1% cash back on all other purchases.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
This card differentiates itself from other options on the market by providing the unique ability to earn up to 5% back on your top spending category each billing cycle on up to the first $500 spent. Whether you’re a credit card newbie or want a card that will help you maximize purchases that don’t fit into other traditional bonus categories, you’ll want to consider adding this pick to your wallet.
- This card allows you to earn up to 5% back on your top spending category each billing cycle on up to the first $500 spent. Plus, no annual fee.
- Light on other benefits.
Who is this card good for?
This card is ideal for credit card newbies and those who prefer cash back rewards.
This card earns 5% cash back on the first $500 of purchases in your top spending category each billing cycle.