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Capital One Venture X vs Citi Custom Cash Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Venture XCapital One | Citi Custom Cash CardCiti |
|---|---|---|
| Rating | 4.9/5 | 4.5/5 |
| Annual Fee | $395 | $0 |
| APR | 19.49% - 28.49% | 17.49% - 27.49% |
| Signup Bonus | 75,000 miles after spending $4,000 in 3 months | $200 cash back after spending $1,500 in 6 months |
| Rewards Rate | 10X on hotels/cars via Capital One Travel, 5X on flights via Capital One Travel, 2X on everything else | 5% on your top eligible spend category each billing cycle (up to $500 spent), 4% on hotels/cars/attractions via Citi Travel, 1% on everything else |
| Credit Score | excellent | good |
| Pros | Priority Pass + Capital One Lounges access $300 annual travel credit makes effective fee $95 10,000 bonus miles every anniversary | 5% on your top spending category automatically — no activation needed 10 eligible 5% categories including dining, groceries, gas, streaming 0% intro APR for 18 months on balance transfers |
| Cons | $395 annual fee upfront Travel credit only through Capital One portal Lounge guest access now costs $45/adult as of Feb 2026 | $500/billing cycle cap on 5% category Only 1% on non-top-category spending Limit of one Citi Custom Cash card per person |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Venture X
With a 4.9/5 rating, the Capital One Venture X edges out the Citi Custom Cash Card (4.5/5). At $395/yr, the value proposition is strong. The Venture X punches way above its weight. With $300 in travel credits, lounge access, and 10K anniversary miles, the effective cost is just $95 — rivaling cards that cost twice as much.