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.
All credit cards
Side-by-side
Citi Custom Cash vs Navy Federal More Rewards / Flagship Rewards
Both are well-respected travel cards. The Citi Custom Cash comes from Citi at $0/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/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.
| Feature | Citi Custom Cash | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $0 | $49 |
| Sign-up bonus | $200 cash back | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $200 | $350 |
| Min spend to unlock bonus | $1,500 in 6 mo | $3,500 in ? mo |
| Issuer | Citi | Navy Federal Credit Union |
| Card category | cashback | travel |
| Best earning category (Top_category) | 5x | 1x |
| Transfer partners | citi-ty | None |
| Headline benefits |
|
Read the full review
Citi Custom Cash
$0/yr · $200 cash back
Read the full review
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, Citi Custom Cash or Navy Federal More Rewards / Flagship Rewards?
- The Navy Federal More Rewards / Flagship Rewards has the bigger bonus, 35,000 bonus points (a $350 value), worth roughly $350, versus $200 cash back (~$200) on the Citi Custom Cash.
- Is the Citi Custom Cash's $0 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- The Citi Custom Cash has no annual fee, so the question is whether the Navy Federal More Rewards / Flagship Rewards's $49 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards / Flagship Rewards's benefits to clear $49 in value annually, it's worth it; otherwise stick with the Citi Custom Cash.
- Can I have both the Citi Custom Cash and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Citi and Navy Federal Credit Union) 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 Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Custom Cash: $1,500 spend in 6 months. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? 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.