Rewards Calculator: Citi Double Cash vs Citi Custom Cash

Rewards Comparison Calculator
Calculate how much cash back you can earn with the Citi Double Cash versus the Citi Custom Cash side by side based on spend. Find out which card earns you the most cash back and best return on your spend.
Last Updated 2021-06-15

Citi offers two cash back credit cards which are the Citi® Double Cash Card and Citi Custom Cash℠ Card.

The Citi Double Cash earns cash back at a flat rate of 2% across all purchases while the Citi Custom Cash earns 5% cash back on your top eligible spend category (up to $500 per cycle) and 1% back on everything else.

The better card will depend on your spend. If you spend heavy across any of the eligible 5% categories featured on the Citi Custom Cash, it's a possibility that it will be the better options.

On the other hand, if you plan on using the Citi Double Cash as your main card throughout the year, the 2% cash back will eventually overcome the 5% earnings of the Citi Custom Cash.

The best option will actually be pairing these cards together. Use the Citi Custom Cash for the one eligible category you spend the most in to earn 5% back and use the Citi Double Cash to earn 2% back on all other purchases.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Citi Double Cash Card does not feature any bonus categories. It earns unlimited cash back at a flat rate across all purchases.

The Citi Custom Cash Card features 10 eligible categories. You'll earn 5% back on up to $500 in spend during the billing cycle in the eligible category you spend the most in. You'll earn 1% back on all other purchases including the other eligible categories.

Citi Double Cash Card

  • 2% All Purchases
    • 1% on purchases; 1% when you pay off those purchases.

Citi Custom Cash Card

  • 5%/1% Restaurants
    • Includes purchases at cafes, bars, lounges and fast food restaurants.
    • Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third party dining delivery services.
  • 5%/1% Gas Stations
    • Excludes gasoline purchases at warehouse clubs, discount stores, and convenience stores.
  • 5%/1% Grocery Stores
    • Purchases made at online supermarkets or with grocery delivery services do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.
  • 5%/1% Select Travel
    • Includes airline, hotel, cruise line, and travel agency purchases.
    • Excludes timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies.
  • 5%/1% Select Transit
    • Includes car rentals, ferries, commuter railways, subways, taxis/limos/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals.
    • Excludes bike/scooter rentals, auto clubs and insurance companies.
  • 5%/1% Select Streaming Services
    • Includes the following cable, satellite, and streaming providers: Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.
  • 5%/1% Drugstores
    • Includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store and pharmacy merchant category code.
  • 5%/1% Home Improvement Stores
    • Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores.
    • Excludes florists and florists' supply stores; nursery stock; wholesale construction stores; and glass stores.
  • 5%/1% Fitness Clubs
    • Includes membership fee and other purchases at athletic, sports and recreation facilities requiring membership such as health, tennis, and swimming clubs.
    • Excludes fees associated with virtual services for home exercise equipment, personal monitoring devices, or fitness streaming classes.
  • 5%/1% Live Entertainment
    • Includes ticket purchases for live entertainment, including: concerts, live sporting events, live theatrical productions, amusement parks, and orchestras.
    • Excludes charitable organizations that provide live entertainment (benefits), sporting camps, sports complexes where you participate in the sport, public and private golf courses, country clubs (including membership fees), bowling alleys, movie theaters, tourist attractions, museums and art galleries.
  • 1% Non-Category
    • This includes the eligible categories that are not your top spend for the billing cycle.

Perks & Benefits

The Citi Double Cash and Citi Custom Cash do not feature any special benefits outside of your standard Citi credit card perks.

Citi Double Cash Card

  • Convert To ThankYou Points
    • Cash back can be converted to ThankYou Points at a 1 cent for 1 point ratio.
    • This benefit makes this card a must have if you're looking to earn ThankYou Points and want to maximize your miscellaneous spending.
    • ThankYou Points can be transferred to airline miles if you own the Citi Premier Card or Citi Prestige Card.
  • Citi Benefits:
    • Citi® Identity Theft Solutions
    • The Lost Wallet® Service
    • Citi Entertainment®

Citi Custom Cash Card

  • Convert To ThankYou Points
    • Cash back can be converted to ThankYou Points at a 1 cent for 1 point ratio.
    • This benefit makes this card a must if you're looking to earn ThankYou Points since you'll be earning the equivalent of 5x on an eligible category.
    • ThankYou Points can be transferred to airline miles if you own the Citi Premier Card or Citi Prestige Card.
  • Citi Benefits:
    • Mastercard ID Theft Protection
    • Free Access to your FICO® Score
    • Citi® Quick Lock
    • Citi Entertainment®

Rewards Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
Citi® Double Cash Card
Citi Double Cash Card
Intro Bonus
No current intro bonus
Rewards Rate
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Main Card Highlights
  • To earn cash back, pay at least the minimum due on time.
  • Cash back earned can be converted to the Citi ThankYou Rewards program
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Intro Bonus
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards Rate
5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Earn unlimited 1% cash back on all other purchases.
Main Card Highlights
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
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