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This card automatically earns 5% cash back in your top spending category, including a wide range of everyday expenses. You’ll get a long 0% intro APR for both purchases and balance transfers, and for no annual fee, this card has earned its stars.
Citi is a Credit Card Insider advertiser.
The Citi Custom Cash Card offers one of the easiest ways to ensure you’re getting the best cash back rate on your spending, along with interest-saving terms and a decent welcome bonus.
For 15 billing cycles you’ll get a 0% purchase and balance transfer APR, then your rates will be 13.99%–23.99% Variable.
You’ll earn 5% cash back in your top spending category per billing cycle, up to $500 spent, then 1%. All other purchases will earn an unlimited 1% back.
Categories include: drugstores, restaurants, grocery stores, gas stations, select travel, select transit, select streaming services, fitness clubs, home improvement stores, and live entertainment.
This card has no annual fee.