Which card earns more rewards, the Citi Custom Cash Card or Citi Double Cash Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Custom Cash Card or the Citi Double 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 Citi Custom Cash Card or Citi Double Cash Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Custom Cash Card or the Citi Double 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 Citi Custom Cash Card or Citi Double Cash Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Custom Cash Card or the Citi Double 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.

Citi Custom Cash Card vs Citi Double Cash Card

Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the Citi Double Cash Card wins on travel. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

Earn Rates

Category	Citi Custom Cash Card	Citi Double Cash Card
Dining	5X	2X
Drugstores	5X	2X
Fitness & Gyms	5X	2X
Gas Stations	5X	2X
Grocery Stores	5X	2X
Home Improvement	5X

Benefits & Features

Network

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

+2% flat rate on all purchases with no caps
+No annual fee
+0% intro APR for 18 months on balance transfers
+Simple earning structure - no tracking categories
+Points can combine with other Citi ThankYou cards

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

Category-by-Category Winner

The Citi Custom Cash Card wins in 10 of 11 categories. The Citi Double Cash Card leads in 1.

Dining

Citi Custom Cash Card earns 5X vs 2X

Drugstores

Citi Custom Cash Card earns 5X vs 2X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 2X

Gas Stations

Citi Custom Cash Card earns 5X vs 2X

Grocery Stores

Citi Custom Cash Card earns 5X vs 2X

Home Improvement

Citi Custom Cash Card earns 5X vs 2X

Live Entertainment

Citi Custom Cash Card earns 5X vs 2X

Streaming

Citi Custom Cash Card earns 5X vs 2X

Transit

Citi Custom Cash Card earns 5X vs 2X

The Bottom Line

For everyday spending, the Citi Double Cash Card earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the Citi Custom Cash Card or Citi Double Cash Card?: The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Citi Custom Cash Card or the Citi Double 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

Citi Custom Cash Card — Full Review All Citi Cards

Citi Double 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.

Citi Custom Cash Card vs Citi Double Cash Card

Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the Citi Double Cash Card wins on travel. Here's how they compare.