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*(CitiPremier® and CitiPremier® cards are no longer available. CitiStrataPremier℠ credit cards have replaced Citi Premier cards.)
City offers unique cashback that mimics the popular 5% cashback card while offering more flexibility. Instead of offering cashback only in the spin bonus category set by the issuer, City Custom Cash® Card Adapt to your spending habits by earning 5% in the eligible categories you spend most on each billing cycle (the first $500 to use per billing cycle, then back 1%). The card also includes a generous welcome bonus, an annual fee, and an introductory APR offer.
But how do custom cash cards stack up against the most popular ones? City All of those reward cards – City Double Cash® Card? Annual City Double Cash Card, which offers an even more streamlined cashback program, earns an unlimited flat of 2% per dollar on all. You get the same welcome bonus as a custom cash card, but the APR primer is slightly different.
Both cards can be an advantageous addition to your wallet, but they may give you a better fit based on your spending habits Cashback Strategy. Read it and learn how custom cash cards compare to double cash cards in terms of profit margins, welcome bonuses, benefits and more.
Main details
| card | City Custom Cash® Card | City Double Cash® Card |
|---|---|---|
|
Welcome bonus |
After spending $1,500 in the first six months of opening an account, $200 cashback (filled as 20,000 points) |
After spending $1,500 in the first six months of opening an account, $200 cashback (filled as 20,000 points) |
|
Remuneration rate |
Go back each billing cycle (expend up to $500, then 1% back) and 1% with other purchases and get 5% in the best eligible spending category Earn an additional 4% on hotels, cars and attractions booked through the City Travel Portal. |
Get 2% back with every use (1% when the purchase is made, another 1% when it is paid) Earn an additional 3% on hotels, cars and attractions booked through the City Travel Portal (5% total cashback) |
|
Intro April |
0% APR for 15 months purchases and balance transfer followed by 18.24% to 28.24% (variable) APR |
0% APR of Balance Transfer 18 months, followed by 18.24% to 28.24% (variable) APR |
|
Annual fees |
$0 | $0 |
City Custom Cash vs City Double Cash Card Highlights
Which cards make more money?
While City Double Cash has a simple flat rate reward, City Custom Cash Card offers a unique take that spins the 5% cashback category, as it automatically earns cashback in the most spent bonus reward category each month. Eligible bonus categories include Restaurants, Gas Stations, Grocery Stores, Choose Your Choice, Choose Your Travel Purchase, Choose Your Transport Purchase, Home Improvement Stores, Fitness Clubs, Live Entertainment, and Drugstores.
Both of these cards are attractive because of their practical cashback programs, but whether more cards earn more will depend on what you buy and how much you spend on your credit card each month. Ultimately, you’re making the most of your custom cash $500 spending cap in each billing cycle eligible category, but you can pay less than $2,000 per month overall and get that card forward.
Examples of City Custom Cash Card vs. City Double Cash Card Expenses
Considering how cashback works with these two cards, City Double Cash Card is a better option for anyone putting $2,000 or more in their credit card, even if they can make the most of their monthly category spending cap of $500 per month on a custom cash card.
Suppose you have a City Custom Cash Card, make the most of the top earned cashback categories with $500 a month, and use a $1,500 credit card each month. In that case, you will earn $40 in the reward for each billing cycle. The exact amount of $2,000 spent on a City Double Cash Card.
However, if you spend $2,500 on a Citi Custom Cash Card (including $500 for a qualifying bonus category) for each billing cycle, you will earn a $45 per month reward compared to the $50 reward you earn with a City Double Cash Card.
Why do I need to get a City Custom Cash Card?
In addition to impressive reward rate opportunities in practical categories such as grocery stores and gas station purchases, there are several reasons to consider Citi custom cash cards in the competition. The following factors need to play a role in your decision:
Why do I need to get a City Double Cash Card?
The simplicity of earning cashback with a City Double Cash Card makes it a popular option for reward enthusiasts and heavy spenders who want to stick to one cashback card. I’ll review some of the other City Double Cash Card Benefits here:
Conclusion
Both the Citi Custom Cash Card and the Citi Double Cash Card are solid cashback credit cards, but what’s right for you depends on your spending and goals. necessarily Compare cashback credit cards Based on whether you want to maximize your reward, access the Introductory APR for purchases or balance transfers, and how they may work for what you want to achieve.
Also consider the chances of getting both of these reward credit cards Maximize your rewards. With both the Citi Custom Cash Card and the Citi Double Cash Card in your wallet, you can make the most of the 5% category of each billing cycle, then use the Citi Double Cash Card to earn 2% on all other purchases.
* Information about Chase FreedFreed® is collected independently by Bankrate. Card details have not been approved or reviewed by the issuer.
