- 5%Cash back on highest monthly spend category
- 1%Cash back on all other purchases
Earn $200 cash back after spending $1,500 on purchases in the first 6 months.
Earn 5% cash back on your highest monthly spend category in each billing cycle (up to $500 spent), and 1% on everything else.
17.49%-27.49% Variable APR
This card shines for its ability to automatically adjust to your highest spending category, allowing you to earn 5% cash back where you spend the most. Its no annual fee structure makes it an attractive option for those looking to maximize rewards without added costs.
Pros:
- No annual fee
- Automatically adjusts to highest spend category
Cons:
- Limited to $500 in top category per billing cycle
- Requires tracking of spending categories
The Citi Custom Cash® Card is well-suited for individuals who want to earn higher cash back rewards in their primary spending category without incurring an annual fee. Its flexible rewards structure may appeal to those who prioritize maximizing cash back on everyday expenses while benefiting from a straightforward rewards program.