Citi Custom Cash®

Pros

✅ No annual fee

✅ 5% cash back in the highest spend category each billing cycle up to $500

✅ No rotating categories to track; the top category is automatically applied

✅ 0% intro APR for 15 months on purchases and balance transfers

✅ Rewards can be pooled with other eligible Citi cards

✅ Simple redemption options for rewards

✅ Special travel offer: 4% additional cash back on hotels and car rentals through the Citi Travel℠ portal until June 30, 2026

Cons

❌ 5% cash back is capped at $500 per billing cycle, limiting rewards potential

❌ All other spending earns only 1% cash back

❌ Has a 3% foreign transaction fee, making it less ideal for international use

❌ Light on additional benefits compared to some competitors

❌ Bonus rewards are limited to one category per billing cycle

❌ Higher bonus spend requirement compared to some other cards