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 All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice.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.