Citi Custom Cash Card vs Hilton Honors American Express Card
Compare the Citi Custom Cash Card ($0/yr) against the Hilton Honors American Express Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the Citi Custom Cash Card and Hilton Honors American Express 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 | Hilton Honors American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | 70,000 points after $2,000 spend in 6 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.0% | 3.0% |
| Travel Rewards | 1.0% | 7% |
| Dining Rewards | 1.0% | 5% |
| Grocery Rewards | 1.0% | 5% |
| Gas Rewards | 1.0% | 5% |
| Key Benefits | 5% on your top spending category each billing cycle (up to $500/cycle). | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. |
| Issuer | Citi | American Express |
Quick Summary
The Citi Custom Cash Card has a $0 annual fee (same as Hilton Honors American Express Card).
Hilton Honors American Express Card has a higher base reward rate (3.0% vs 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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