Pros: Citi Cashback Credit Card offers robust benefits, providing substantial cashback rewards on everyday purchases. With no annual fees, it's a cost-effective choice. Its seamless cashback redemption process and additional perks like discounts bolster its appeal.

Cons: For heavy spenders, the cashback caps might limit potential rewards. Approval hinges on a good credit score, potentially excluding some applicants. Variable interest rates and lower cashback rates on certain categories are drawbacks.