Matt is the former Head of the Coverage Team at The Motley Fool. He was a full-time Motley Fool employee from 2012-2025 and is a former advisor and analyst for multiple Motley Fool services.

The card earns 1% cash back on all other eligible purchases. Citi also has a 5% cash-back card, the Citi Custom Cash® Card, but it doesn't require you to activate bonus categories each quarter.