American Express® Gold Card vs Citi Custom Cash® Card

American Express® Gold CardAmerican Express® Gold Card

American Express

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Citi Custom Cash® CardCiti Custom Cash® Card

Citi

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Annual Fee
$325
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
Cash Back
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
Up to 100,000 Membership Rewards after $8,000 in 6 months (offers vary)
$200 after $1,500 in 180 days

Effective return by category

CategoryAmerican Express® Gold CardCiti Custom Cash® Card
Dining & Restaurants8.00%
4x
5.00%
5x · $500 cap
Groceries8.00%
4x · $25,000 cap
5.00%
5x · $500 cap
Travel6.00%
3x
1.00%
1x
Gas Stations2.00%
1x
5.00%
5x · $500 cap
Select Streaming2.00%
1x
5.00%
5x · $500 cap
Drugstores & Pharmacies2.00%
1x
5.00%
5x · $500 cap
Home Improvement2.00%
1x
5.00%
5x · $500 cap
Gym & Fitness2.00%
1x
5.00%
5x · $500 cap
Streaming Services2.00%
1x
1.00%
1x
Everything else2.00%
1x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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