With a 15-month intro 0 percent APR period on balance transfers, the Citi Custom Cash® Card also lets you earn 5 percent cash back on your top eligible spending category each billing cycle up to $500 spent, then 1 percent. That’s an impressively high bonus category rate, and you don’t have to activate or choose the category — it’s automatic. You can also tap into 4 percent cash back on hotels, car rentals and attractions booked on Citi Travel (through June 30, 2026), 1 percent on everything else and a $200 cash back welcome bonus after spending $1,500 in the first six months. Plus, you’ll have an intro 15 months no interest on balance transfers (then a 18.24% – 28.24% (Variable) APR).
