Editorial take: Citi Custom Cash
Genuinely clever. 5% on whichever category you spent most on each month, capped at $500/month. Earns $25/month = $300/year effortlessly. Pairs with Premier to convert to transferable ThankYou Points.
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Side-by-side
Citi Custom Cash vs Citi Double Cash
Both are cashback travel cards. The Citi Custom Cash comes from Citi at $0/yr; the Citi Double Cash from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Citi and target cashback spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Citi Double Cash costs $0 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Citi Custom Cash | Citi Double Cash |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back | $200 cash back |
| Bonus value (est.) | $200 | $200 |
| Min spend to unlock bonus | $1,500 in 6 mo | $1,500 in 6 mo |
| Issuer | Citi | Citi |
| Card category | cashback | cashback |
| Best earning category (Top_category) | 5x | 1x |
| Transfer partners | citi-ty | citi-ty |
| Headline benefits |
|
|
Read the full review
Citi Custom Cash
$0/yr · $200 cash back
Read the full review
Citi Double Cash
$0/yr · $200 cash back
Editorial take: Citi Double Cash
The OG flat 2% card. Pairs with Custom Cash + Premier to form Citi's trifecta, turns your combined cash back into transferable ThankYou Points. Rock solid for non-bonus spend.
Common questions
- Which card has the bigger sign-up bonus, Citi Custom Cash or Citi Double Cash?
- The two cards offer comparable sign-up bonuses around $200. Pick based on which earning categories you actually use.
- Is the Citi Custom Cash's $0 annual fee worth it compared to the Citi Double Cash?
- The Citi Custom Cash has no annual fee, so the question is whether the Citi Double Cash's $0 fee is justified by its perks. If you'll use enough of the Citi Double Cash's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Citi Custom Cash.
- Can I have both the Citi Custom Cash and Citi Double Cash?
- Yes, though both are issued by Citi so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Citi Custom Cash or the Citi Double Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Custom Cash: $1,500 spend in 6 months. Citi Double Cash: $1,500 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.