Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Automatic 5% cash back on top spending category with no activation required
• +No annual fee makes it easy to keep long-term for credit history
• +10 eligible bonus categories including dining, gas, groceries, streaming, and transit
• +0% intro APR on balance transfers for 18 months
• +Pairs with Strata Premier to unlock ThankYou Points transfer partners

• +Extended 0% intro APR period on balance transfers (typically 21 months)
• +No annual fee
• +Earns 2x Citi ThankYou Points on dining, entertainment, and streaming
• +1x points on all other purchases
• +Access to Citi Entertainment for event presales

Cons

• −$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
• −3% foreign transaction fee makes it poor for international travel
• −Cannot manually select bonus category - algorithm chooses based on spend
• −Only one Custom Cash card allowed per person
• −48-month restriction on welcome bonus if you've had one before

• −Balance transfer fee applies (typically 5%)
• −3% foreign transaction fee
• −No purchase protection or extended warranty benefits
• −Limited value after promotional period ends
• −Modest rewards compared to dedicated rewards cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Automatic 5% cash back on top spending category with no activation required
• +No annual fee makes it easy to keep long-term for credit history
• +10 eligible bonus categories including dining, gas, groceries, streaming, and transit
• +0% intro APR on balance transfers for 18 months
• +Pairs with Strata Premier to unlock ThankYou Points transfer partners

• +Extended 0% intro APR period on balance transfers (typically 21 months)
• +No annual fee
• +Earns 2x Citi ThankYou Points on dining, entertainment, and streaming
• +1x points on all other purchases
• +Access to Citi Entertainment for event presales

Cons

• −$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
• −3% foreign transaction fee makes it poor for international travel
• −Cannot manually select bonus category - algorithm chooses based on spend
• −Only one Custom Cash card allowed per person
• −48-month restriction on welcome bonus if you've had one before

• −Balance transfer fee applies (typically 5%)
• −3% foreign transaction fee
• −No purchase protection or extended warranty benefits
• −Limited value after promotional period ends
• −Modest rewards compared to dedicated rewards cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Automatic 5% cash back on top spending category with no activation required
• +No annual fee makes it easy to keep long-term for credit history
• +10 eligible bonus categories including dining, gas, groceries, streaming, and transit
• +0% intro APR on balance transfers for 18 months
• +Pairs with Strata Premier to unlock ThankYou Points transfer partners

• +Extended 0% intro APR period on balance transfers (typically 21 months)
• +No annual fee
• +Earns 2x Citi ThankYou Points on dining, entertainment, and streaming
• +1x points on all other purchases
• +Access to Citi Entertainment for event presales

Cons

• −$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
• −3% foreign transaction fee makes it poor for international travel
• −Cannot manually select bonus category - algorithm chooses based on spend
• −Only one Custom Cash card allowed per person
• −48-month restriction on welcome bonus if you've had one before

• −Balance transfer fee applies (typically 5%)
• −3% foreign transaction fee
• −No purchase protection or extended warranty benefits
• −Limited value after promotional period ends
• −Modest rewards compared to dedicated rewards cards