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Citi Custom Cash Card vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Citi Custom Cash CardCiti | Discover it Cash BackDiscover |
|---|---|---|
| Rating | 4.5/5 | 4.4/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.49% | 17.49% - 26.49% |
| Signup Bonus | $200 cash back after spending $1,500 in 6 months | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 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 | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 1% on everything else |
| Credit Score | good | good |
| Pros | 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 | First-year Cashback Match doubles all rewards $0 annual fee 5% rotating categories can be very lucrative |
| Cons | $500/billing cycle cap on 5% category Only 1% on non-top-category spending Limit of one Citi Custom Cash card per person | Must activate quarterly categories $1,500 quarterly cap on 5% categories Discover not accepted as widely as Visa/Mastercard |
| View Details → | View Details → |
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Verdict
Our Pick: Citi Custom Cash Card
With a 4.5/5 rating, the Citi Custom Cash Card edges out the Discover it Cash Back (4.4/5). No annual fee makes it easy to justify. The Citi Custom Cash automatically gives you 5% back on whichever eligible category you spend the most in each billing cycle. No sign-ups, no rotating — just spend and it adjusts.