I had a negative experience with this card. YMMV, but I thought I would mention it in case it’s helpful. Citi started me out with a ridiculously low credit limit - $2,000 or $2,500, as I recall. So, even though the card had “unlimited” cash back, capping the monthly spend effectively limited the cash back for me as my monthly credit card spend is usually $4,000 - $5,000. I requested a credit limit increase and Citi denied it. I was a little surprised considering I have another Citi credit card (Costco) and a FICO score over 800. So, I stopped using the card. About 3 months later, Citi unilaterally cancelled the card because my accounts was “inactive” for too long. Get the Wells Fargo Active Cash. They've eliminated the cashback limit.