Choosing between the Citi Custom Cash Card (no annual fee) and the Fold (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 NowUp to 3.5% bitcoin back on all purchases. Earns a solid 3.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Citi Custom Cash Card | Fold |
|---|---|---|
| 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% | <strong>3.5%</strong> |
| Key Benefits | 5% on your top spending category each billing cycle (up to $500/cycle). | Up to 3.5% bitcoin back on all purchases. |
Fold wins on travel, dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.