Best For
Rewards Rate - Cashback
- 5% back in your top eligible category each billing cycle (up to $500 in purchases; then 1%).
- 1% back on all other purchases.
- +4% additional back on hotels, car rentals & attractions booked with Citi Travel®.
- Cash back is earned as Citi ThankYou® Points.
- Eligible 5% categories: Restaurants, Gas, Grocery Stores, Select Travel, Select Transit, Select Streaming, Drugstores, Home Improvement, Fitness Clubs, Live Entertainment.
- Intro offer
- $200 bonus after $1,500 spend in 6 months (fulfilled as ThankYou® Points).
- Annual fee
- $0
- Regular APR
- 0% intro APR for 15 months on purchases & balance transfers; then 19.24%–29.24% variable APR
- Recommended credit
- 690–850 (Good–Excellent)
- Travel Perks
- None
Highlights
- Automatic 5% category based on your highest eligible spend each billing cycle
- No annual fee
- 0% intro APR for 15 months on purchases & balance transfers
Who is this card good for?
- Everyday spenders who can consistently max a 5% category (groceries, gas, dining)
- People who want simple, automatic 5% without category enrollment
Pointalize Opinion
Pros
- Great 5% rate without activations
- Strong lineup of eligible categories
- No annual fee
Cons
- $500 monthly cap on 5% earnings
- 3% foreign transaction fee
- Rewards are ThankYou® Points (best value with transfers requires a partner card)
Pointalize Final Thoughts
Use the Custom Cash as a dedicated 5% category card alongside a flat‑rate card. If you travel internationally, consider a no‑FTF card for those trips.