- 5%Cash back on top eligible spending category each billing cycle
- 1%Cash back on all other purchases
Earn $200 cash back after spending $1,500 on purchases within the first 6 months of account opening.
Earn 5% cash back on your top eligible spending category each billing cycle (up to $500 spent), then 1% on other purchases.
17.49%-27.49% Variable APR
This card shines for its ability to automatically adjust to your highest spending category each month, ensuring you earn maximum rewards without the hassle of manual activation. With no annual fee and a solid welcome bonus, it’s a great option for those who want a straightforward cash back experience.
Pros:
- No annual fee
- High cash back on top spending category
Cons:
- Limited to one category per billing cycle
- Requires tracking of spending categories
The Citi Custom Cash® Card is well-suited for individuals seeking a flexible cash back rewards structure without an annual fee. Its automatic adjustment feature for the highest spending category each month makes it an appealing choice for consumers who want to maximize their rewards effortlessly.