Choosing between the Citi Custom Cash Card (no annual fee) and the Gemini Credit Card (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 NowStrongest in gas at 4% (up to $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Citi Custom Cash Card | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | $200 after $3,000 spend in 90 days |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Dining Rewards | 1% | <strong>3%</strong> |
| Groceries Rewards | 1% | <strong>2%</strong> |
| Gas Rewards | 1% | <strong>4% (up to $3,600/yr)</strong> |
| Key Benefits | 5% on your top spending category each billing cycle (up to $500/cycle). | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
Gemini Credit Card wins on 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.