Best Credit Cards of April 2023 - Citi Custom Cash℠ Card

Why this credit card is among the best: With this card, you can receive 5% cash back on up to $500 of your monthly spending in the category where you spend the most. This category automatically changes based on your spending each billing cycle.

Top qualities: The Citi Custom Cash Card offers 5% cash back in the category where you spend the most money each billing cycle, up to $500, and 1% cash back after that; all other transactions receive 1% cash back.

There is no annual charge and a 15-month promotional APR of 0% on purchases and balance transfers for cardholders. Spend $1,500 on purchases within the first six months of opening your account to receive $200 in cash back. This bonus will be paid out as 20,000.

Another card to think about: The Discover it Cash Back offers 5% cash back in quarterly categories, such as, groceries, restaurants, and gas stations, up to the quarterly maximum (usually $1,500), if you like to have a bigger spending allowance to earn rewards. On all other purchases, you'll get 1% cash back, and for the first year, Discover will match all the cash back you get.
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