Citi Custom Cash® Card vs PenFed Platinum Rewards Visa Signature® Card

Citi Custom Cash® CardCiti Custom Cash® Card

Citi

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PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® Card

PenFed

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
PenFed Points
Point Value
1.00¢/pt
0.85¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $1,500 in 180 days
15,000 PenFed Points after $1,500 in 90 days

Effective return by category

CategoryCiti Custom Cash® CardPenFed Platinum Rewards Visa Signature® Card
Dining & Restaurants5.00%
5x · $500 cap
2.55%
3x
Gas Stations5.00%
5x · $500 cap
4.25%
5x
Groceries5.00%
5x · $500 cap
2.55%
3x
Select Streaming5.00%
5x · $500 cap
0.85%
1x
Drugstores & Pharmacies5.00%
5x · $500 cap
0.85%
1x
Home Improvement5.00%
5x · $500 cap
0.85%
1x
Gym & Fitness5.00%
5x · $500 cap
0.85%
1x
EV Charging1.00%
1x
4.25%
5x
Streaming Services1.00%
1x
2.55%
3x
Everything else1.00%
1x
0.85%
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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