Best Citi credit cards for February 2026 Citi Custom Cash Card: Best overall Learn more Citi Custom Cash® Card Annual fee $0 Welcome offer Earn $200 in cash back after spending $1,500 on purchases in the first 6 months (bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back) Introductory APR 0% intro APR on balance transfers for the first 18 months Purchase APR See issuer site for current APR Rewards rate 5% cash back on purchases in your top eligible spend c ...