The Citi Custom Cash® Card is a no-annual-fee credit card that offers a flexible cash back structure tailored to your spending habits. Cardholders earn 5% cash back on their top eligible spending category each billing cycle, up to $500 spent, and 1% cash back on all other purchases. Eligible categories include restaurants, gas stations, grocery stores, select travel, transit, streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment. Additionally, new cardholders can earn a $200 cash back bonus after spending $1,500 within the first six months of account opening. The card also offers a 0% introductory APR on purchases and balance transfers for 15 months, followed by a variable APR of 18.24% to 28.24%, based on creditworthiness. This card is ideal for those seeking to maximize rewards in their highest spending categories without the hassle of rotating bonus categories or activation.
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