9. Citi Custom CashSM Card
- Cashback Structure: Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and then 1% cash back thereafter. Earn 1% cash back on all other purchases.
- Introductory APR: 0% intro APR on purchases and balance transfers for 15 months from account opening. After that, the variable APR will apply.