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Citi Custom Cash vs Mission Lane Cash Back Visa (Silver Line Visa)

Both are well-respected travel cards. The Citi Custom Cash comes from Citi at $0/yr; the Mission Lane Cash Back Visa (Silver Line Visa) from Mission Lane at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureCiti Custom CashMission Lane Cash Back Visa (Silver Line Visa)
Annual fee$0$0
Sign-up bonus$200 cash backNone
Bonus value (est.)$200$0
Min spend to unlock bonus$1,500 in 6 mo$0 in 0 mo
IssuerCitiMission Lane
Card categorycashbackcredit-builder
Best earning category (Top_category)5x1x
Transfer partnersciti-tyNone
Headline benefits
  • 5% on top category
  • Auto-selected monthly
  • No annual fee
  • TY transfers at 0.7 of premium
    Read the full review
    Citi Custom Cash
    $0/yr · $200 cash back
    Read the full review
    Mission Lane Cash Back Visa (Silver Line Visa)
    $0/yr · None

    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. The cash back is paid as ThankYou Points, which transfer directly to Citi's airline and hotel partners at 0.7 of the premium ratio; moving them onto a Citi Strata Premier or Strata Elite account gets the printed ratios.

    Editorial take: Mission Lane Cash Back Visa (Silver Line Visa)

    Common questions

    Which card has the bigger sign-up bonus, Citi Custom Cash or Mission Lane Cash Back Visa (Silver Line Visa)?
    The Citi Custom Cash has the bigger bonus, $200 cash back, worth roughly $200, versus None (~$0) on the Mission Lane Cash Back Visa (Silver Line Visa).
    Is the Citi Custom Cash's $0 annual fee worth it compared to the Mission Lane Cash Back Visa (Silver Line Visa)?
    The Citi Custom Cash has no annual fee, so the question is whether the Mission Lane Cash Back Visa (Silver Line Visa)'s $0 fee is justified by its perks. If you'll use enough of the Mission Lane Cash Back Visa (Silver Line Visa)'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 Mission Lane Cash Back Visa (Silver Line Visa)?
    Yes, since they're from different issuers (Citi and Mission Lane) the application rules don't conflict. 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 Mission Lane Cash Back Visa (Silver Line Visa) first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Custom Cash: $1,500 spend in 6 months. Mission Lane Cash Back Visa (Silver Line Visa): $0 in 0 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.