Best for a high rate of cash back
Citi Custom Cash® Card
Learn More
in our Bankrate review
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Even though the Citi Custom Cash is marketed as a cash back card, it technically earns basic ThankYou points, which you can redeem for a direct deposit, check or statement credit, gift cards or for travel through the Citi travel portal. If you have a “full-fledged” Thank You points-earning card, you can convert your basic points to those more powerfulThankYou points.
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- Welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening.
- Rewards rates: Earn 5 percent cash back on your top spending category each billing cycle (up to $500, then 1 percent back). Earn 1% cash back on everything else. Plus, 4% cash back on hotels, rental cars and attractions booked through Citi Travel through June 30, 2025.
- Annual fee: $0
- Additional perk: 0 percent intro APR for 15 months on purchases and balance transfers, then 18.24% – 28.24% (Variable) APR.