Citi Custom Cash® Card vs Discover it® Cash Back

Citi Custom Cash® CardCiti Custom Cash® Card

Citi

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Discover it® Cash BackDiscover it® Cash Back

Discover

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Cash Back
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $1,500 in 180 days
$100 with any purchase in 90 days

Effective return by category

CategoryCiti Custom Cash® CardDiscover it® Cash Back
Dining & Restaurants5.00%
5x · $500 cap
1.00%
1x
Gas Stations5.00%
5x · $500 cap
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Groceries5.00%
5x · $500 cap
1.00%
1x
Select Streaming5.00%
5x · $500 cap
1.00%
1x
Drugstores & Pharmacies5.00%
5x · $500 cap
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Home Improvement5.00%
5x · $500 cap
1.00%
1x
Gym & Fitness5.00%
5x · $500 cap
1.00%
1x
Airfare1.00%
1x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Everything else1.00%
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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