Citi・Mastercard・No.016
Automatically turns your biggest monthly category into 5% back. Set it and forget it.
✓ Annual fee, APR and foreign-transaction fee verified against the issuer on 2026-07-16. Welcome offers change often. Always confirm the current offer on the issuer's site.
Best for people with one dominant spend category who don't want to manage rotations.
APR and fees are illustrative. Confirm current terms on the issuer's site.
No, there is no annual fee.
Yes, it charges a 3% foreign transaction fee.
No, it automatically applies 5% to your highest eligible spend category each billing cycle (up to $500).
⚠️ Disclaimer: This site is a product concept. All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice. Always verify with the issuer before applying.