Pay 0% Intro APR Until 2026 | LendingTree
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Pay 0% Intro APR Until 2026

Banks are offering incredibly long periods of 0% Intro APR interest. If you’re carrying a balance on a high-interest credit card or have a big purchase coming up, it’s time to switch cards and save money. Compare top 0% intro APR cards from our partners below to find your perfect match.

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Bank of America® Travel Rewards credit card
 

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  • Annual Fee $0
  • Regular APR 18.24% - 28.24% Variable APR
  • Rewards Rate
    • 1.5 points per $1 spent on all purchases. 
    • 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
    1.5X - 3X points
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $250
  • Est. Monthly Rewards
    $85
  • Est. First Year Rewards
    $1,268

The Bottom Line

This card has its benefits when used for traveling purposes. It provides the card users with a huge opportunity for savings because consumers can utilize travel comparison websites in order to find the best deals instead of dealing with often marked-up rates common with company-specific rewards programs.

Our Take

The Good

International travelers don’t have to deal with high costs on transactions that are processed outside the United States, unlike most credit card offers. The Bank of America® Travel Rewards credit card allows you to Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout, and there's no annual fee.

The Not So Good

There aren't many downsides to this card other than it is only available for consumers with excellent-good credit.


Card Details

  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Bank of America® Customized Cash Rewards credit card
 

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  • Annual Fee $0
  • Regular APR 18.24% - 28.24% Variable APR
  • Rewards Rate
    • 3% cash back in the category of your choice.
    • 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
    • 1% cash back on all other purchases.
    1% - 3% cash back
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $200
  • Est. Monthly Rewards
    $48
  • Est. First Year Rewards
    $771

The Bottom Line

The Bank of America® Customized Cash Rewards credit card is a good rewards card that offers a chance to earn fantastic cash rewards rates on your spending.

Our Take

The Good

If earning cash back is your goal, the Bank of America® Customized Cash Rewards credit card is a good option for you. You can earn cash back on everything you buy and receive it in fast, easy, convenient ways and rewards do not expire as long as your account remains open.

The Not So Good

It’s a solid rewards card, but if you like to travel overseas, be aware that transactions made in a foreign currency are subject to a heavy surcharge of 3%.


Card Details

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Citi® Diamond Preferred® Card
 

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  • Annual Fee $0
  • Regular APR 17.24% - 27.99% (Variable)
  • Rewards Rate
    N/A
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $0
  • Est. First Year Rewards
    $0

The Bottom Line

This card is a great choice for those looking to save by avoiding considerable interest rate expenses on high card balances.

Our Take

The Good

This card offers an industry-leading promotional intro period that could save you hundreds if you're currently stuck under high interest credit card debt.

The Not So Good

If you are interested in cash back or rewards, this card isn't for you.


Card Details

  • 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.

Capital One VentureOne Rewards Credit Card
 

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  • Annual Fee $0
  • Regular APR 19.24% - 29.24% (Variable)
  • Rewards Rate
    • Earn 1.25 Miles per dollar on every purchase, every day
    • Earn 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
    1.25X - 5X Miles
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $200
  • Est. Monthly Rewards
    $78
  • Est. First Year Rewards
    $1,141

The Bottom Line

The Capital One VentureOne Rewards Credit Card is a flexible travel rewards card with a $0 annual fee and a solid rewards rate. There is also a nice intro APR and a generous sign up bonus.

Our Take

The Good

This card offers a solid rewards rate and sign-up bonus for a travel rewards card with a $0 annual fee. The rewards are very easy to use and you don't have to worry about airline blackout dates.

The Not So Good

This card does feature some solid benefits, but they're not as strong as you might find on other travel cards.


Card Details

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Capital One Quicksilver Cash Rewards Credit Card
 

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  • Annual Fee $0
  • Regular APR 19.24% - 29.24% (Variable)
  • Rewards Rate
    • Earn 1.5% Cash Back on every purchase, every day
    • Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
    1.5% - 5% Cash Back
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $200
  • Est. Monthly Rewards
    $65
  • Est. First Year Rewards
    $978

The Bottom Line

This card has it all; a solid rewards rate and generous sign up bonus, a nice intro APR, and no annual fee.

Our Take

The Good

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, which is a great way to kick-start your rewards earning. Plus, this card comes with one of the most flexible cash back program on the market.

The Not So Good

Based on our research, you'll need excellent-good credit.


Card Details

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

USAA Rate Advantage Credit Card
 

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  • Annual Fee $0
  • Regular APR 11.15% to 25.15% variable
  • Rewards Rate
    N/A
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $0
  • Est. First Year Rewards
    $0

The Bottom Line

Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the low interest rates offered on this card.

Our Take

The Good

You'll be hard-pressed to find a card with a lower ongoing APR for purchases, balance transfers, and cash advances. Plus there's no annual fee, no foreign transaction fees and no penalty rate.

The Not So Good

If you want to earn rewards on your purchases, this card isn't for you.


Card Details

  • Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 11.15% to 25.15% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
  • No annual fee.
  • No foreign transaction fees.
  • 11.15% to 25.15% variable regular APR.
  • See Rates and Fees for details.

Citi Simplicity® Card
 

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  • Annual Fee $0
  • Regular APR 18.24% - 28.99% (Variable)
  • Rewards Rate
    N/A
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $0
  • Est. First Year Rewards
    $0

The Bottom Line

The Citi Simplicity® Card keeps it simple, streamlining the terms of its cardholder agreement in a way that is probably simpler than any other credit card on the market. Plus, there is 0% intro APR for 12 months on Purchases and 0% intro APR for 21 months on Balance Transfers, no annual fee, and no late penalties.

Our Take

The Good

The best part about this card is the fantastic 0% intro APR on purchases and balance transfers. With the lack fees and penalties, the Citi Simplicity® Card can be a big relief when many other credit cards seem to charge you a fee any chance they get.

The Not So Good

You’ll need excellent-good credit to qualify for the Citi Simplicity® Card, and there is no rewards program attached to it.


Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock

Citi Double Cash® Card
 

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  • Annual Fee $0
  • Regular APR 18.24% - 28.24% (Variable)
  • Rewards Rate
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
    • Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
    2% - 5% cash back
  • Credit Needed Fair / Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $200
  • Est. Monthly Rewards
    $127
  • Est. First Year Rewards
    $1,723

The Bottom Line

The Citi Double Cash® Card is great for those wanting to earn cash back on all purchases without having to worry about rotating categories and for those who carry a balance.

Our Take

The Good

To start, Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. This card is also great for those wanting to pay no interest on balance transfers for 18 months.

The Not So Good

While the lengthy 0% intro APR period for balance transfers is appealing, there’s no intro APR period for purchases, which many other cards in this category offer.


Card Details

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Wells Fargo Autograph® Card
 

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  • Annual Fee $0
  • Regular APR 19.24%, 24.24%, or 29.24% Variable APR
  • Rewards Rate
    • Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
    • Earn 1X points on other purchases
    1X - 3X points
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $200
  • Est. Monthly Rewards
    $90
  • Est. First Year Rewards
    $1,282

The Bottom Line

This card stands out for offering a valuable rewards rate without charging an annual fee. Many cards with rewards rates this high charge annual fees close to $100 or higher. And when you consider this card’s welcome offer for new cardholders, the value only increases.

Our Take

The Good

Finding a $0-annual-fee card with a rewards rate this high is a rarity. We love how easy it is to earn rewards at restaurants and gas stations, along with travel and popular streaming purchases. Plus, the welcome offer is packed with value and pretty easy to achieve.

The Not So Good

While the rewards rate is stellar, many other popular cards at this level have longer 0% intro APR periods.


Card Details

  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
  • $0 annual fee.
  • 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

The Clear Platinum Visa Credit Card with $1,000 Credit Limit
 

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  • Annual Fee None
  • Regular APR N/A
  • Rewards Rate
    Non-rewards card
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $0
  • Est. First Year Rewards
    $0

The Bottom Line

The Clear Platinum Visa Credit Card with $1,000 Credit Limit is designed for individuals looking to build or rebuild their credit, offering a straightforward path to credit improvement with a moderate spending limit.

Our Take

The Good

The Clear Platinum Visa Credit Card with $1,000 Credit Limit offers a straightforward opportunity for individuals looking to establish or rebuild their credit with a moderate $1,000 credit limit, making it a good stepping stone for financial recovery or improvement without the temptation of high debt.

The Not So Good

The Clear Platinum Visa Credit Card with $1,000 Credit Limit includes a monthly membership fee which can be a significant drawback for individuals looking to build or rebuild their credit without incurring high additional costs.


Card Details

  • No interest - just a simple monthly fee*
  • Pay a simple fee and predictable minimum payment each month
  • No late payment or foreign transaction fees
  • Enjoy Visa benefits like cell phone protection, emergency card replacement and Visa Zero Liability
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • * The Clear Platinum Visa Credit Card with $1,000 Credit Limit has a $10 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges

The Clear Platinum Visa Credit Card with $2,000 Credit Limit
 

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  • Annual Fee None
  • Regular APR N/A
  • Rewards Rate
    Non-rewards card
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $0
  • Est. First Year Rewards
    $0

The Bottom Line

The Clear Platinum Visa Credit Card with $2,000 Credit Limit offers users the potential to manage their finances more flexibly and build credit, thanks to a higher than average spending limit for a credit-building card.

Our Take

The Good

The Clear Platinum Visa Credit Card with $2,000 Credit Limit offers an excellent opportunity for individuals to manage larger expenditures while actively working on building or rebuilding their credit, providing a significantly higher limit than many starter cards.

The Not So Good

Despite the higher credit limit, the card's monthly membership fee can be a considerable drawback for cost-conscious consumers, especially in the absence of any rewards or cashback programs to mitigate this expense.


Card Details

  • No interest - just a simple monthly fee*
  • Pay a simple fee and predictable minimum payment each month
  • No late payment or foreign transaction fees
  • Enjoy Visa benefits like cell phone protection, emergency card replacement and Visa Zero Liability
  • Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
  • *The Clear Platinum Visa Credit Card with $2,000 credit limit has a $20 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges

Citi Custom Cash® Card
 

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  • Annual Fee $0
  • Regular APR 18.24% - 28.24% (Variable)
  • Rewards Rate
    • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
    • Earn unlimited 1% cash back on all other purchases.
    • Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026
    1% - 5% cash back
  • Credit Needed Good / Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $200
  • Est. Monthly Rewards
    $45
  • Est. First Year Rewards
    $742

The Bottom Line

Between its frankly revolutionary rewards program, great sign-up bonus and a host of other customer-centric features, the Citi Custom Cash® Card is a solid choice with few drawbacks.

Our Take

The Good

This card has a suite of rewards tailor-made for folks who are tired of having to constantly opt-in to rewards categories on other cards to maximize their cash back earning potential.

The Not So Good

The spend cap on earning the full cash back rate each billing cycle can be a drawback for those regularly spend a lot in any given category every month.


Card Details

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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