Citi Custom Cash
5% on your top spend category automatically
4.6
Editor rating · out of 5
Best for: People who don't want to think about categories
Set-it-and-forget-it 5% card. Best for households with one dominant spend category — gas or groceries usually wins.
Pros and cons
Pros
- +5% auto-applied to top category
- +Categories include gas, groceries, dining, streaming, transit
Cons
- −$500/cycle cap on 5% = max $25 cash back/mo
- −Foreign transaction fee 3%
Key details
Annual fee
$0
Rewards
5% top category, 1% else
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