the Citi Custom Cash card. On the surface, this card looks amazing because you get 5% back on whatever category you spend the most in. And the categories are really wide ranging. Restaurants, gas, grocery, travel, transit, streaming, drugstores, home improvement, fitness clubs, and live entertainment. And home improvement is probably the most notable one in here for me because I'm not aware of any other card that has a elevated earnings potential for that category.

However, you're capped at only earning that 5% back on up to $500 per billing cycle, which means that you're only getting it on $6,000 a year. And so if you look at earning 5% on $6,000 or earning 5% on a 2X Unlimited card, you're just getting a bonus of 3%.

And so that's really just a max of $180 a year.