Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the Macys American Express Card wins on dining. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Citi Custom Cash Card | Macys American Express Card |
|---|---|---|
| Dining | 5X | 3X |
| Drugstores | 5X | 1X |
| Fitness & Gyms | 5X | 1X |
| Gas Stations | 5X | 2X |
| Grocery Stores | 5X | 2X |
| Home Improvement | 5X |
Network
Key Benefits
Pros
Cons
The Citi Custom Cash Card wins in 10 of 10 categories. The Macys American Express Card leads in 0.
Dining
Citi Custom Cash Card earns 5X vs 3X
Drugstores
Citi Custom Cash Card earns 5X vs 1X
Fitness & Gyms
Citi Custom Cash Card earns 5X vs 1X
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 1X
Live Entertainment
Citi Custom Cash Card earns 5X vs 1X
Streaming
Citi Custom Cash Card earns 5X vs 1X
Transit
Citi Custom Cash Card earns 5X vs 1X
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.
Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the Macys American Express Card wins on dining. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Citi Custom Cash Card | Macys American Express Card |
|---|---|---|
| Dining | 5X | 3X |
| Drugstores | 5X | 1X |
| Fitness & Gyms | 5X | 1X |
| Gas Stations | 5X | 2X |
| Grocery Stores | 5X | 2X |
| Home Improvement | 5X |
Network
Key Benefits
Pros
Cons
The Citi Custom Cash Card wins in 10 of 10 categories. The Macys American Express Card leads in 0.
Dining
Citi Custom Cash Card earns 5X vs 3X
Drugstores
Citi Custom Cash Card earns 5X vs 1X
Fitness & Gyms
Citi Custom Cash Card earns 5X vs 1X
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 1X
Live Entertainment
Citi Custom Cash Card earns 5X vs 1X
Streaming
Citi Custom Cash Card earns 5X vs 1X
Transit
Citi Custom Cash Card earns 5X vs 1X
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.
Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the Macys American Express Card wins on dining. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Citi Custom Cash Card | Macys American Express Card |
|---|---|---|
| Dining | 5X | 3X |
| Drugstores | 5X | 1X |
| Fitness & Gyms | 5X | 1X |
| Gas Stations | 5X | 2X |
| Grocery Stores | 5X | 2X |
| Home Improvement | 5X |
Network
Key Benefits
Pros
Cons
The Citi Custom Cash Card wins in 10 of 10 categories. The Macys American Express Card leads in 0.
Dining
Citi Custom Cash Card earns 5X vs 3X
Drugstores
Citi Custom Cash Card earns 5X vs 1X
Fitness & Gyms
Citi Custom Cash Card earns 5X vs 1X
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 1X
Live Entertainment
Citi Custom Cash Card earns 5X vs 1X
Streaming
Citi Custom Cash Card earns 5X vs 1X
Transit
Citi Custom Cash Card earns 5X vs 1X
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.
| Live Entertainment | 5X | 1X |
| Streaming | 5X | 1X |
| Transit | 5X | 1X |
| Travel | 5X | 1X |
| Everything Else | 1X | 1X |
Travel
Citi Custom Cash Card earns 5X vs 1X
| Live Entertainment | 5X | 1X |
| Streaming | 5X | 1X |
| Transit | 5X | 1X |
| Travel | 5X | 1X |
| Everything Else | 1X | 1X |
Travel
Citi Custom Cash Card earns 5X vs 1X
| Live Entertainment | 5X | 1X |
| Streaming | 5X | 1X |
| Transit | 5X | 1X |
| Travel | 5X | 1X |
| Everything Else | 1X | 1X |
Travel
Citi Custom Cash Card earns 5X vs 1X