Capital One Venture X Rewards Credit Card vs. Citi Custom Cash® Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Venture X Rewards Credit Card
Capital One
4.7
2x miles on everything. $300 travel credit. Premium perks.
Full review →
WealthSpott Verdict
Citi Custom Cash® Card wins on more measurable categories — particularly annual cost. Capital One Venture X Rewards Credit Card may still win for your wallet depending on your spending patterns.
Feature
Capital One Venture
Citi Custom Cash®
Annual Fee
$395/yr
$0 Best
Sign-up Bonus
75,000 miles
$200
Rewards Rate
2x-10x
1%-5%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
19.99%-29.99% Variable
19.24%-29.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Capital One Venture X Rewards Credit Card
Pros
- $300 annual travel credit offsets fee
- 2x miles on every purchase
- Premium perks: lounge access, TSA PreCheck credit
Cons
- $395 annual fee
- Best for frequent travelers
Citi Custom Cash® Card
Pros
- 5% on top category (up to $500/quarter)
- No annual fee
- Categories include gas, groceries, dining
Cons
- Only one category earns 5% per month
- Foreign transaction fee
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