Citi Custom Cash® Card vs. Discover it® Cash Back

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 →
Discover logo
Discover it® Cash Back
Discover
4.5

5% rotating categories. Cashback Match at end of first year.

Full review →
WealthSpott Verdict

Discover it® Cash Back 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® Cash
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 15 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
Full review
Discover it® Cash Back
Pros
  • Cashback Match doubles first-year earnings
  • 5% rotating categories
Cons
  • Quarterly category activation required
Full review

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