Citi Custom Cash Card

The set-it-and-forget-it answer to rotating-category cards: it auto-pays 5% on your single top eligible category each billing cycle, no activation, no calendar. The cap is $500 in that category per cycle, so the most you'll earn at 5% is about $25 a month, or $300 a year. If your spending is spread across many categories rather than concentrated, a flat 2% card returns more overall. Eligible categories are a fixed list, so confirm yours qualifies on citi.com.

Citi Custom Cash Card at a glance

Rewards & perks

• 5% applied automatically to a category
• Nothing to activate each quarter
• Stretch of 0% intro APR

Pros

• No annual fee
• Adjusts to where you spend
• 0% intro APR

Cons

• 5% rate stops after $500 each month
• Charges a foreign purchase fee

Who should apply

• A good credit score

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Citi site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.