Citi Custom Cash Card vs Discover it Cash Back
Compare the Citi Custom Cash Card ($0/yr) against the Discover it Cash Back ($0/yr) to see which card earns you more rewards based on your spending.
See how the Citi Custom Cash Card and Discover it Cash Back stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Citi Custom Cash Card | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Key Benefits | 5% on your top spending category each billing cycle (up to $500/cycle). | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
| Issuer | Citi | Discover |
Quick Summary
The Citi Custom Cash Card has a $0 annual fee (same as Discover it Cash Back).
Both cards have the same base reward rate (1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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