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 Upgrade Triple Cash Rewards Visa
Both are well-respected travel cards. The Citi Custom Cash comes from Citi at $0/yr; the Upgrade Triple Cash Rewards Visa from Upgrade 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.
| Feature | Citi Custom Cash | Upgrade Triple Cash Rewards Visa |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back | $200 statement bonus |
| Bonus value (est.) | $200 | $200 |
| Min spend to unlock bonus | $1,500 in 6 mo | $0 in 2 mo |
| Issuer | Citi | Upgrade |
| Card category | cashback | cash-back |
| 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
Upgrade Triple Cash Rewards Visa
$0/yr · $200 statement bonus
Editorial take: Upgrade Triple Cash Rewards Visa
Common questions
- Which card has the bigger sign-up bonus, Citi Custom Cash or Upgrade Triple Cash Rewards Visa?
- 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 Upgrade Triple Cash Rewards Visa?
- The Citi Custom Cash has no annual fee, so the question is whether the Upgrade Triple Cash Rewards Visa's $0 fee is justified by its perks. If you'll use enough of the Upgrade Triple Cash Rewards 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 Upgrade Triple Cash Rewards Visa?
- Yes, since they're from different issuers (Citi and Upgrade) 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 Upgrade Triple Cash Rewards Visa first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Custom Cash: $1,500 spend in 6 months. Upgrade Triple Cash Rewards Visa: $0 in 2 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.