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

• +2% flat rate on all purchases with no caps
• +No annual fee
• +0% intro APR for 18 months on balance transfers
• +Simple earning structure - no tracking categories
• +Points can combine with other Citi ThankYou cards

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

• −3% foreign transaction fee
• −Must pay bill to earn second 1% cash back
• −No travel insurance or purchase protection
• −Relatively modest $200 welcome bonus
• −No bonus categories for high spenders

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

• +2% flat rate on all purchases with no caps
• +No annual fee
• +0% intro APR for 18 months on balance transfers
• +Simple earning structure - no tracking categories
• +Points can combine with other Citi ThankYou cards

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

• −3% foreign transaction fee
• −Must pay bill to earn second 1% cash back
• −No travel insurance or purchase protection
• −Relatively modest $200 welcome bonus
• −No bonus categories for high spenders

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

• +2% flat rate on all purchases with no caps
• +No annual fee
• +0% intro APR for 18 months on balance transfers
• +Simple earning structure - no tracking categories
• +Points can combine with other Citi ThankYou cards

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

• −3% foreign transaction fee
• −Must pay bill to earn second 1% cash back
• −No travel insurance or purchase protection
• −Relatively modest $200 welcome bonus
• −No bonus categories for high spenders