Which card earns more rewards, the My Best Buy® Visa® Card or Citi Custom Cash Card?

The Citi Custom Cash Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.

Should I get the My Best Buy® Visa® Card or the Citi Custom Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the My Best Buy® Visa® Card or Citi Custom Cash Card?

The Citi Custom Cash Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.

Should I get the My Best Buy® Visa® Card or the Citi Custom Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the My Best Buy® Visa® Card or Citi Custom Cash Card?

The Citi Custom Cash Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.

Should I get the My Best Buy® Visa® Card or the Citi Custom Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

My Best Buy® Visa® Card vs Citi Custom Cash Card

Both cards cost $0/yr. The My Best Buy® Visa® Card is better for best buy purchases, while the Citi Custom Cash Card wins on dining. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	My Best Buy® Visa® Card	Citi Custom Cash Card
Best Buy Purchases	5X	1X
Dining	2X	5X
Drugstores	0.5X	5X
Fitness & Gyms	0.5X	5X
Gas Stations	0.5X	5X
Grocery Stores	2X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

Cons

—

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

Category-by-Category Winner

The Citi Custom Cash Card wins in 11 of 12 categories. The My Best Buy® Visa® Card leads in 1.

Best Buy Purchases

My Best Buy® Visa® Card earns 5X vs 1X

Dining

Citi Custom Cash Card earns 5X vs 2X

Grocery Stores

Citi Custom Cash Card earns 5X vs 2X

Drugstores

Citi Custom Cash Card earns 5X vs 0.5X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 0.5X

Gas Stations

Citi Custom Cash Card earns 5X vs 0.5X

Home Improvement

Citi Custom Cash Card earns 5X vs 0.5X

Live Entertainment

Citi Custom Cash Card earns 5X vs 0.5X

Streaming

Citi Custom Cash Card earns 5X vs 0.5X

The Bottom Line

For everyday spending, the Citi Custom Cash Card earns more with its 1X base rate.

Frequently Asked Questions

Which card earns more rewards, the My Best Buy® Visa® Card or Citi Custom Cash Card?: The Citi Custom Cash Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.
Should I get the My Best Buy® Visa® Card or the Citi Custom Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

My Best Buy® Visa® Card — Full Review All Citi Cards

Citi Custom Cash Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

My Best Buy® Visa® Card vs Citi Custom Cash Card

Both cards cost $0/yr. The My Best Buy® Visa® Card is better for best buy purchases, while the Citi Custom Cash Card wins on dining. Here's how they compare.