Citi Custom Cash
Superpower: Automatically earns 5% back where I spend the most
This is my go-to card for a single high-spend category. Citi automatically gives me 5% cash back on my top eligible category each billing cycle (up to the cap), so I don’t have to think or track rotating bonuses.
Why I use it:
Effortless optimization for everyday spending without micromanaging categories.
My Personal Citi Credit Cards
I use Citi cards to earn flexible points on everyday spending and redeem them for travel and cash back.
This page links to the current Citi card offers I reference across my site. Offers change, so I keep them updated here.
Citi Double Cash
Superpower: A true 2% back on everything
This is my “catch-all” card. I earn 1% when I buy and another 1% when I pay it off, which makes it one of the simplest and most reliable cash-back cards available.
Why I use it:
It fills in the gaps when no bonus category applies—simple, consistent, and predictable.
Citi Strata Premier
Superpower: Effectively pays for itself every year
The $100 annual hotel credit is what makes this card quietly overpowered. One $500+ hotel stay booked through Citi Travel offsets the annual fee, turning the rest of the card into pure upside.
From there, it earns strong bonus points across everyday categories like dining, groceries, gas, and EV charging — while keeping the option to transfer points for higher-value travel redemptions. No foreign transaction fees, solid travel protections, and flexibility without pressure.
Why I use it:
If I’m booking even one hotel a year, this card costs me nothing — and gives me options.