The Citi Custom Cash℠ Card works on rotating categories for its best rewards, giving you 5% cash back on select categories, up to $500, before switching to a flat 1% fee thereafter. The category changes based on your own purchasing habits, including expenses at places like restaurants, gas stations, grocery stores, and drug stores. You can even earn on your live entertainment purchases.
All other purchases receive an unlimited 1% cash back on your other purchases. You will also enjoy a 0% introductory APR for the first 15 months on both your purchases and balance transfers, 15.49% - 25.49%, variable thereafter.
Cash back is issued via ThankYou® Points, but you have the option to redeem them however you like, with options for statement credits, direct deposit, or check. You also can redeem your points for travel, gift cards, and even Amazon.com for simple and flexible redemption. There is no annual fee to discount your earnings, so you can put your money where it is best served.
Special bonus categories
No annual fee
Low normal rewards rate
Must have good credit