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 US Bank Triple Cash Rewards Business
Both are well-respected travel cards. The Citi Custom Cash comes from Citi at $0/yr; the US Bank Triple Cash Rewards Business from U.S. Bank at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the US Bank Triple Cash Rewards Business is the stronger pick today, the sign-up bonus is meaningfully larger ($550 more in estimated value) than the Citi Custom Cash's. Get the US Bank Triple Cash Rewards Business first; revisit the Citi Custom Cash after you've earned that bonus.
| Feature | Citi Custom Cash | US Bank Triple Cash Rewards Business |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back | $750 cash back |
| Bonus value (est.) | $200 | $750 |
| Min spend to unlock bonus | $1,500 in 6 mo | $6,000 in 6 mo |
| Issuer | Citi | U.S. Bank |
| Card category | cashback | business |
| 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
US Bank Triple Cash Rewards Business
$0/yr · $750 cash back
Editorial take: US Bank Triple Cash Rewards Business
Common questions
- Which card has the bigger sign-up bonus, Citi Custom Cash or US Bank Triple Cash Rewards Business?
- The US Bank Triple Cash Rewards Business has the bigger bonus, $750 cash back, worth roughly $750, versus $200 cash back (~$200) on the Citi Custom Cash.
- Is the Citi Custom Cash's $0 annual fee worth it compared to the US Bank Triple Cash Rewards Business?
- The Citi Custom Cash has no annual fee, so the question is whether the US Bank Triple Cash Rewards Business's $0 fee is justified by its perks. If you'll use enough of the US Bank Triple Cash Rewards Business'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 US Bank Triple Cash Rewards Business?
- Yes, since they're from different issuers (Citi and U.S. Bank) 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 US Bank Triple Cash Rewards Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Custom Cash: $1,500 spend in 6 months. US Bank Triple Cash Rewards Business: $6,000 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.