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 United Business Card
Both are well-respected travel cards. The Citi Custom Cash comes from Citi at $0/yr; the United Business Card from Chase at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,300 more in estimated value) than the Citi Custom Cash's. Get the United Business Card first; revisit the Citi Custom Cash after you've earned that bonus.
| Feature | Citi Custom Cash | United Business Card |
|---|---|---|
| Annual fee | $0 | $150 |
| Sign-up bonus | $200 cash back | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $200 | $1,500 |
| Min spend to unlock bonus | $1,500 in 6 mo | $5,000 in 3 mo |
| Issuer | Citi | Chase |
| Card category | cashback | business |
| Best earning category (Top_category) | 5x | 1x |
| Transfer partners | citi-ty | None |
| Headline benefits |
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Read the full review
Citi Custom Cash
$0/yr · $200 cash back
Read the full review
United Business Card
$150/yr · 100,000 miles + 2,000 PQP
Editorial take: United Business Card
Strong United business card. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit help cover the $150 AF for any United-leaning small business. The 100k + 2,000 PQP bonus is the sweetener. Post-2025 refresh swapped the old $100/$10k-spend credit for a $125 travel credit unlocked by 5 United flight purchases of $100+.
Common questions
- Which card has the bigger sign-up bonus, Citi Custom Cash or United Business Card?
- The United Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus $200 cash back (~$200) on the Citi Custom Cash.
- Is the Citi Custom Cash's $0 annual fee worth it compared to the United Business Card?
- The Citi Custom Cash has no annual fee, so the question is whether the United Business Card's $150 fee is justified by its perks. If you'll use enough of the United Business Card's benefits to clear $150 in value annually, it's worth it; otherwise stick with the Citi Custom Cash.
- Can I have both the Citi Custom Cash and United Business Card?
- Yes, since they're from different issuers (Citi and Chase) 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 United Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Custom Cash: $1,500 spend in 6 months. United Business Card: $5,000 in 3 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.