Citi Custom Cash® Card vs. Citi Double Cash®

Side-by-side comparison · Updated 2026 · Independently reviewed

Citi logo
Citi Custom Cash® Card
Citi
4.6

5% cash back on your top eligible category each month.

Full review →
Citi logo
Citi Double Cash®
Citi
4.6

2% cash back: 1% when you buy, 1% when you pay.

Full review →
WealthSpott Verdict

Citi Custom Cash® Card and Citi Double Cash® are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.

Feature
Citi Custom Cash®
Citi Double Cash®
Annual Fee
$0
$0
Sign-up Bonus
$200
None
Rewards Rate
1%-5%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 months
0% for 18 months
Regular APR
19.24%-29.99% Variable
19.24%-29.24% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
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
Full review
Citi Double Cash®
Pros
  • 0% APR for 18 months on purchases and balance transfers
  • 2% cash back (1% + 1%)
Cons
  • No bonus categories
Full review

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