Best Credit Cards for Cash Back | LendingTree
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Cash Back Credit Cards

Maximize your cash back with the best cash back credit card offers from our partners. Check out star ratings and expert reviews for the best cash back cards on the market today—you could get approved in minutes using our secure application process.

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Citi Double Cash® Card
 

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  • Annual Fee $0
  • APR 18.49% - 28.49% (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
    $109
  • Est. First Year Rewards
    $1,509

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 18.49% - 28.49%, 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).

Discover it® Cash Back
 

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  • Annual Fee $0
  • APR 18.49% - 27.49% Variable APR *Rates as of December 12, 2024
  • Rewards Rate
    • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
    • Earn unlimited 1% cash back on all other purchases—automatically.
    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
    $0
  • Est. Monthly Rewards
    $131
  • Est. First Year Rewards
    $1,571

The Bottom Line

The Discover it® Cash Back credit card is an excellent cash back card that currently offers one of the best sign up bonuses on the market. With cash back, no annual fee, and a nice intro APR, this card is a good fit for just about anyone.

Our Take

The Good

There is no limit to the amount of cash back you can earn with the Cashback Match offer, so you could earn a huge sign up bonus in your first year.

The Not So Good

If you don't want to have to think about the rotating bonus categories, this might not be the best card for you.


Card Details

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • Apply and you could get a decision in as little as 60 seconds. No annual fee.
  • Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 12, 2024.
  • Terms and conditions apply.

Capital One Quicksilver Cash Rewards Credit Card
 

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  • Annual Fee $0
  • APR 19.49% - 29.49% (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
    $62
  • Est. First Year Rewards
    $948

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

The earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening 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

You'll need excellent-good credit to get approved.


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; 19.49% - 29.49% 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 Preferred Cash Rewards Credit Card
 

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  • Annual Fee $0
  • APR 16.40% to 28.40% variable
  • Rewards Rate
    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
    $0
  • Est. Monthly Rewards
    $80
  • Est. First Year Rewards
    $962

The Bottom Line

This card offers a simple cash back rewards program with no limits on the amount of rewards you can earn. If you're looking hassle-free card from USAA that offers generous rewards, the USAA Preferred Cash Rewards Credit Card is the one for you.

Our Take

The Good

The cash back is unlimited with this card and you don't have to worry about rotating categories. Also, you'll enjoy a long list of Visa Signature perks and benefits.

The Not So Good

There's no intro APR with this card.


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.
  • Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
  • Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
  • Auto Deductible Reimbursement (up to $200).
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • No annual fee.
  • Cash back rewards never expire.
  • Redeem cash back your way, on your schedule.
  • No foreign transaction fees.
  • 16.40% to 28.40% variable regular APR.
  • Terms and Restrictions apply. See the Reward Terms and Conditions and the ADR Benefit Guide on USAA's website for details.
  • See Rates and Fees for details.

Blue Cash Everyday® Card from American Express
 

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Rates & Fees

 | Terms Apply


  • Annual Fee $0
  • APR 18.24%-29.24% Variable
  • Rewards Rate
    • Earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • Earn 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
    • Earn 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
    • Earn 1% cash back on other purchases.
    • Terms apply. 
    1% - 3% cash back
  • Credit Needed Good / Excellent

The Bottom Line

The Blue Cash Everyday® Card from American Express is a robust card with no annual fee. There is a great welcome offer, and you get the exceptional service you’d expect with any Amex credit card. To see rates & fees for Blue Cash Everyday® Card from American Express, please click here.

Our Take

The Good

With no annual fee, generous rewards rates, and the welcome offer, this is a great card for any consumer. You'll also receive the legendary American Express perks and customer service.

The Not So Good

Outside of the the special bonus categories, you only earn 1% cash back on purchases.


Card Details

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Bank of America® Customized Cash Rewards credit card
 

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  • Annual Fee $0
  • APR See Terms
  • 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

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 and transactions made in U.S. dollars that are processed outside the United States 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.
  • 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.

Chase Freedom Unlimited®
 

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  • Annual Fee $0
  • APR 19.74% - 28.49% Variable
  • Rewards Rate
    • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • Earn 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
    • Earn 1.5% on all other purchases
    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
    $300
  • Est. Monthly Rewards
    $140
  • Est. First Year Rewards
    $1,985

The Bottom Line

This card earns consistent rewards on every purchases and it also come with no annual fee and a nice intro APR on purchases.

Our Take

The Good

The sign up bonus for this card can help you seriously boost your cash back rewards in the first year, and you'll also earn a better than average rewards rate on all purchases.

The Not So Good

The ongoing APR is a little higher than normal, so it's best to avoid carrying a balance with this credit card. Also, there is a foreign exchange fee of 3% of each transaction in U.S. dollars, so you may want to refrain from using this card overseas.


Card Details

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Blue Cash Preferred® Card from American Express
 

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Rates & Fees

 | Terms Apply


  • Annual Fee $0 intro annual fee for the first year, then $95.
  • APR 18.24%-29.24% Variable
  • Rewards Rate
    • Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
    • Earn 6% Cash Back on select U.S. streaming subscriptions
    • Earn 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
    • Earn 1% Cash Back on other purchases.
    • Terms apply.
    1% - 6% cash back
  • Credit Needed Good / Excellent

The Bottom Line

The Blue Cash Preferred® Card from American Express is the ultimate cash back rewards card for consumers who spent a lot of money on groceries and gas. This card not only comes with some of the most generous rewards, but there is a nice intro APR as well. To see rates & fees for Blue Cash Preferred® Card from American Express, please click here.

Our Take

The Good

The cash back rate on supermarkets is the one of highest we've found on any credit card! When you include the cash back on gas and all other purchases, this card is a no-brainer for many consumers.

The Not So Good

There is a foreign exchange fee of 2.7% of each transaction after conversion to US dollars.


Card Details

  • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

Aven Asset Card
 

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  • Annual Fee $0
  • APR 9.99% - 19.99%
  • Rewards Rate
    • Earn 7% Unlimited Cash Back on Hotels
    • Earn 2% Unlimited Cash Back on Everything
    2% - 7% 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
    $0
  • Est. Monthly Rewards
    $118
  • Est. First Year Rewards
    $1,416

The Bottom Line

The Aven Asset Card stands out for its exceptionally low APR, potentially saving savvy spenders a significant amount in interest charges, and its rewards program feels like a breath of fresh air, offering tangible benefits that can easily outshine competitors.

Our Take

The Good

The Aven Asset Card boasts an impressive rewards rate, ensuring cardholders receive valuable returns on their spending

The Not So Good

The Aven Asset Card may fall short for those seeking extensive travel perks or who have a lower credit score, as its benefits cater primarily to high spenders with strong credit histories.


Card Details

  • Guaranteed lowest APR. Rates from 9.99% to 19.99%
  • 7% Unlimited Cash Back on Hotels
  • 2% Unlimited Cash Back on Everything
  • $0 Annual Fee

Synchrony Premier World Mastercard®
 

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  • Annual Fee $0
  • APR 18.74% - 34.49% Variable APR as of October 1, 2024
  • Rewards Rate
    2% 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
    $0
  • Est. Monthly Rewards
    $107
  • Est. First Year Rewards
    $1,283

The Bottom Line

The Synchrony Premier World Mastercard® is ideal for everyday consumers, offering an easy-to-understand cash back on all purchases, without the complexity of tracking bonus categories.

Our Take

The Good

The Synchrony Premier World Mastercard® excels with its uncomplicated 2 percent cash back on all purchases, providing consistent value across a wide range of spending without the need to track specific bonus categories.

The Not So Good

Despite its attractive cash back rate, the Synchrony Premier World Mastercard® falls short in offering the broader suite of perks and benefits that are commonly available with other premium credit cards, potentially making it less desirable for those seeking travel perks or exclusive experiences.


Card Details

  • 2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
  • No annual fee*
  • Zero Liability Protection
  • Secure online and mobile app account access
  • Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.
  • Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
  • *2% cash back is valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier World Mastercard. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made, if the account is open and in good standing. See Rewards Terms for details. We reserve the right to modify features of the Cashback Program at any time.
    ^NO ANNUAL FEE: New Accounts as of October 1, 2024: Variable Purchase APR 18.74%, 27.74%, or 34.49%. Variable Bal Trans APR 18.74%, 27.74%, or 34.49% and 4% Fee ($10 min). Variable Cash APR 21.74%, 30.74% or 37.49% and 5% Fee ($10 min). Variable Penalty APR 28.74%, 37.74% or 39.99%. Minimum Interest Charge is $2. Foreign transaction fee: 3%.

Wells Fargo Active Cash® Card
 

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  • Annual Fee $0
  • APR 19.24%, 24.24%, or 29.24% Variable APR
  • Rewards Rate
    2% cash rewards
  • 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
    $107
  • Est. First Year Rewards
    $1,483

The Bottom Line

Overall, this card is an exceptional choice in the world of no-annual-fee rewards cards, especially for those who don’t want to deal with activating rewards categories or worrying about more complicated cash rewards programs.

Our Take

The Good

This card’s unlimited rewards program is best-in-class right now – you won’t find a higher rate of unlimited cash rewards on a no annual fee card today.

The Not So Good

This card doesn’t have the strongest welcome offer and only offers a period of 0% intro APR for 12 months from account opening for purchases and balance transfers.


Card Details

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Citi Custom Cash® Card
 

Rated 5/5.0 stars by our editorial team

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  • Annual Fee $0
  • APR 18.49% - 28.49% (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
    $43
  • Est. First Year Rewards
    $712

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 18.49% - 28.49%, 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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