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0%The Citi Custom Cash Card is a no-annual-fee credit card that automatically earns 5% back in your top eligible spending category each month.
Credit Card
Citi Custom Cash
- Cashback Rewards
- $0 annual fee
Top Credit Card Issuers in the US
Chase: Offers a strong mix of travel and cashback cards with premium and everyday options.
American Express: Known for elevated customer service and rewards focused on dining and travel.
Capital One: Delivers competitive cashback and travel cards with intuitive digital tools.
Discover: Popular for rotating 5% categories and student-friendly credit solutions.
Wells Fargo: Recognized for balance transfer promotions and practical financial management features.
Major Bank Credit Cards
Large U.S. banks provide credit cards that range from premium travel products to simple cashback options. Many include welcome bonuses, introductory APR periods, fraud protection, and full-featured mobile apps. Approval typically requires good or excellent credit, and some cards carry annual fees. Well-known examples include travel-focused and flat-rate cashback cards from leading institutions.
Citi Custom Cash Card Features
The Citi Custom Cash Card automatically earns 5% cash back on your top eligible spending category each billing cycle (up to $500 per month), with 1% back on all other purchases—no activation required.
There’s no annual fee, plus a $200 welcome bonus after spending $1,500 in the first six months. New cardholders also receive a 0% intro APR for 15 months on purchases and balance transfers, offering flexibility for short-term financing while earning rewards.
Fintech and Online-Only Issuers
Digital issuers such as Petal and Tomo focus on alternative approval methods and streamlined mobile experiences. They often cater to consumers with limited credit history. While user-friendly, these options may not offer the same structured rewards or promotional financing features.
Secured and Store Credit Cards
Secured cards require a refundable deposit and help establish credit history through bureau reporting. Retail store cards may provide in-store discounts but typically have higher APRs and limited acceptance.
Credit Impact
Maintaining low balances and paying on time supports a healthy credit score. Strategic credit use strengthens long-term financial stability.