Cashback Rewards Plus American Express® Card vs Citi Custom Cash® Card
Effective return by category
| Category | Cashback Rewards Plus American Express® Card | Citi Custom Cash® Card |
|---|---|---|
| Groceries | 3.00% 3x · $3,000 cap | 5.00% 5x · $500 cap |
| Gas Stations | 5.00% 5x · $3,000 cap | 5.00% 5x · $500 cap |
| Dining & Restaurants | 1.00% 1x | 5.00% 5x · $500 cap |
| Select Streaming | 1.00% 1x | 5.00% 5x · $500 cap |
| Drugstores & Pharmacies | 1.00% 1x | 5.00% 5x · $500 cap |
| Home Improvement | 1.00% 1x | 5.00% 5x · $500 cap |
| Gym & Fitness | 1.00% 1x | 5.00% 5x · $500 cap |
| Everything else | 1.00% 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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