Citi Custom Cash® Card vs Navy Federal More Rewards American Express® Card

Citi Custom Cash® CardCiti Custom Cash® Card

Citi

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Navy Federal More Rewards American Express® CardNavy Federal More Rewards American Express® Card

Navy Federal

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Navy Federal Points
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $1,500 in 180 days
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Effective return by category

CategoryCiti Custom Cash® CardNavy Federal More Rewards American Express® Card
Gas Stations5.00%
5x · $500 cap
3.00%
3x
Groceries5.00%
5x · $500 cap
3.00%
3x
Dining & Restaurants5.00%
5x · $500 cap
3.00%
3x
Select Streaming5.00%
5x · $500 cap
1.00%
1x
Drugstores & Pharmacies5.00%
5x · $500 cap
1.00%
1x
Home Improvement5.00%
5x · $500 cap
1.00%
1x
Gym & Fitness5.00%
5x · $500 cap
1.00%
1x
Transit & Rideshare1.00%
1x
3.00%
3x
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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