Offer Strength
22
Standard
Show breakdown
Estimated bonus value: ~$200
Base score: 22
Current $200 vs typical $200
Net value after annual fee: ~$200
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
CitiPersonal
Custom Cash
Welcome Offer
Earn $200 cash back after spending $1,500 in the first 6 months.
Spend $1,500in 180 daysEarn 200 cashback
Earning Rates
Top spend category
5% cash back
Up to a monthly cap
Other purchases
1% cash back
Key Benefits
Top category bonus
Highest spend category earns more each month.
No annual fee
Keep long-term value with $0 annual fee.
Simple rewards
No activation required for top category.
Perks
Flexible categories
Automatically applies to your top spend category.
Good fit for
CashbackBeginnerTop spend categoryOther purchases
Category cap applies each billing cycle.