Citi Custom Cash® Card vs. Discover it® Balance Transfer
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Balance Transfer
Discover
4.3
0% intro APR on balance transfers for 18 months.
Full review →WealthSpott Verdict
Discover it® Balance Transfer wins on more measurable categories — particularly annual cost. Citi Custom Cash® Card may still win for your wallet depending on your spending patterns.
Feature
Citi Custom Cash®
Discover it® Balance
Annual Fee
$0
$0
Sign-up Bonus
$200
Cashback Match
Rewards Rate
1%-5%
1%-5%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 months
0% for 18 months
Regular APR
19.24%-29.99% Variable
18.24%-28.24% Variable Best
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
Discover it® Balance Transfer
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