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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
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.