Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Citi Custom Cash® Card (no annual fee) and the Discover it Cash Back (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
5% on your top spending category each billing cycle (up to $500/cycle).
Perfect if: You want solid rewards without paying an annual fee.
Apply Now5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| 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% | 1% |
| 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. |
These cards are closely matched across categories, so the winner comes down to your specific spending mix.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.