Citi Custom Cash Card vs Gemini Credit Card
Compare the Citi Custom Cash Card ($0/yr) against the Gemini Credit Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the Citi Custom Cash Card and Gemini Credit Card 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 | 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 | 1.0% | 1.0% |
| Dining Rewards | 1.0% | 3% |
| Grocery Rewards | 1.0% | 2% |
| Gas Rewards | 1.0% | 4% (up to $3,600/yr) |
| 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. |
| Issuer | Citi | WebBank |
Quick Summary
The Citi Custom Cash Card has a $0 annual fee (same as Gemini Credit Card).
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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