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Pros
- Relatively easy to maximize the 5% cash back reward and earn $300 per year
- No annual fee
- The cash back comes in the form of Citi ThankYou points, which can be redeemed for things like travel
Cons
- 5% cash back tier is capped at $25 in earnings per month
Citi Custom Cash® Card
If you want a card that doesn’t require constant category activation and monitoring to make sure you’re getting the highest cash back percentage, this is a great option. Whatever spending category that has the highest spend (up to $500) in one billing cycle gets 5% cash back. That’s up to $300 per year, and if you get the sign-up bonus you can get up to $500 in cash back your first year.