The Citi Custom Cash Card

Imagine a credit card that not only aligns with your spending habits but actually enhances them, turning every purchase into a rewarding experience.

CREDIT CARD

Citi Custom Cash

0% Intro APR 5% cash back

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Whether you’re enjoying a meal out, filling up your gas tank, or making online purchases, this card ensures you earn the highest rewards where you spend the most. Each month, the card automatically identifies your primary spending category and adjusts your cash back rate to provide you with the best possible return.

With this card, every dollar you spend works harder for you, turning routine transactions into significant savings. It’s not just about earning rewards—it’s about enhancing your financial strategy and making each purchase count towards something greater. Embrace a credit card that truly understands your spending and rewards you generously, making everyday expenses a gateway to extraordinary benefits.

Unlock the Full Potential of Your Spending

Pros:

1. Up to 5% Cash Back on Top Spending Category: Earn up to 5% cash back on the category where you spend the most each billing cycle.
2. 1% Cash Back on All Other Purchases: Receive 1% cash back on every other purchase, ensuring you’re rewarded for everything you buy.
3. No Annual Fee: Enjoy all these benefits without the cost of an annual fee.
4. Flexible Redemption Options: Redeem your cash back through statement credits, direct deposits, or gift cards, offering you versatile ways to use your rewards.
5. Generous Introductory Offer: Take advantage of a special offer available to new cardholders.
6. No Foreign Transaction Fees: Use your card internationally with no additional fees for foreign transactions.

Cons:

1. High APR: Be cautious of the higher APR if you carry a balance on your card.
2. Rotating Cash Back Categories: The 5% cash back category changes periodically, which may require you to keep track of the updates.
3. Minimum Redemption Requirement: A minimum amount might be needed before you can redeem your cash back.

Why Should You Consider This Card?

This card is ideal if you want to maximize your rewards with up to 5% cash back on your top spending category each month and 1% on everything else, all without an annual fee. Its flexible redemption options, including statement credits and gift cards, offer convenience and value.

Additionally, the card features a generous introductory offer and no foreign transaction fees, making it a smart choice for both everyday purchases and international travel. However, be mindful of the rotating 5% cash back categories and the higher APR for balances carried over.