As the name suggests, this is a brilliant card for cash back rewards customized to your individual spending habits. There are 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. As you spend, earn 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent), and 1% cash back thereafter. All other purchases will earn you unlimited 1% cash back.

Keep things simple and efficient with this card, which has no late fees, no penalty rate and no annual fee. You will also be paying 0% Intro APR for 21 months (from date of first transfer) on balance transfers, and 0% Intro APR for 12 months (from the date you open your account) on purchases. There is a small introductory balance transfer fee of $5 or 3% of the amount of the transfer (whichever is greater), for balance transfers completed within your first 4 months.

This card has an effective rewards policy, where you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Once you’ve spent $1,500 (in the first 6 months after opening your account), you will earn $200 cash back. Until the end of 2024, you can also earn 5% total cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal. You can also enjoy 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.

Fly elite with American Airlines using this card. Make the most of a complimentary Admirals Club® membership and access for up to two guests or immediate family members traveling with you. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases. Enjoy your first checked bag for free on domestic American Airlines itineraries (and the same for up to 8 companions traveling with you on the same reservation!). On top of all of this, receive 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of having your card.

There is no expiration date and no limit to the amount of points you can earn with this card, and there are no foreign transaction fees on purchases. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels, 3 Points per $1 spent at Restaurants and Supermarkets, and 1 Point per $1 spent on all other purchases. On top of this, receive 60,000 bonus ThankYou® Points (redeemable as $600 in gift cards or travel rewards at thankyou.com) after you spend $4,000 within the first 3 months of opening your account.

A card for those who fly regularly for business, with plenty of rewards geared towards travel. Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 within the first 4 months of owning a card. Enjoy a free first checked bag on domestic American Airlines itineraries, 25% savings on American Airlines inflight Wi-Fi when you use your card, and preferred boarding on American Airlines flights. This card will earn you AAdvantage® miles and Loyalty Points (1 for every 1 eligible AAdvantage® mile). No foreign transaction fees.

Enjoy 0% APR on balance transfers for 21 months (starting with the date of first transfer), and 0% Intro APR for 12 months on purchases from the date you opened your account. This card will also allow you free access to your FICO® Score online, and get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more, via Citi Entertainment®.

The only credit card on the market that automatically rounds up to the nearest 10 points on every purchase - with no cap. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 you spend per year and then 1X Points thereafter (1X ThankYou® Points on All Other Purchases). Receive 5 ThankYou® Points per $1 spent on hotels, car rentals and attractions booked on the Citi Travel℠ portal until June 30, 2024. Enjoy 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of opening your account (redeemable for $200 in gift cards at thankyou.com).

One of Citi's best cash back rewards cards designed exclusively for Costco members, with no annual fees (providing you have a paid Costco membership) and no foreign transaction fees on purchases. You can also receive an annual credit card reward certificate, which is redeemable for cash or merchandise at US Costco warehouses, including Puerto Rico. Earn 4% cash back when you spend on eligible gas and EV charging purchases for the first $7,000 per year (and then 1% thereafter), 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com, and 1% cash back on all other purchases.