Citi Custom Cash® Card
vs. Citi Rewards+® Card

If you're looking for a rewards card with no annual fee and introductory APR offers, you may be considering the Citi Custom Cash and the Citi Rewards+. The Custom Cash is better for maximizing cash back in your highest spending category, while the Rewards+ is ideal for earning extra points on small, everyday purchases. Both cards cater to good to excellent credit profiles and offer appealing sign-up bonuses, but your spending habits will dictate the best fit.

You might prefer the Citi Custom Cash if: you enjoy maximizing cash back on your highest spending category without tracking rotating bonus categories. This card automatically rewards you with 5% cash back on your top eligible spend category each billing cycle, on up to $500 spent, and then 1% thereafter. It's tailored for those who want to earn significant rewards in areas where they spend the most, whether that's restaurants, gas stations, grocery stores or select travel. And the expected reward value of $541 underscores its potential for those with good to excellent credit who can manage their card effectively.

You might prefer the Citi Rewards+ if: your spending aligns with its reward structure, particularly for travel. While it doesn't offer a cash back program, it does provide 5 ThankYou® Points per $1 spent on travel purchases through Citi, on up to $6,000 per year, and then 1 point per $1 spent thereafter. This card could be appealing if you're looking to accumulate points for travel and enjoy the benefits of the ThankYou Points program. Both cards offer a 0% APR for 15 months on purchases and balance transfers, have no annual fee and require a good to excellent credit score, making them both accessible options for many consumers.

The Citi Custom Cash caters to individuals with good to excellent credit scores ranging from 670 to 850. This card adapts to your spending, offering 5% cash back on your top eligible spending category each billing cycle, on up to the first $500 spent, and 1% after that.

Ideal for everyday use, it charges no annual fee and entices new cardholders with a welcome bonus offer, making it a compelling choice for those who prioritize flexible cash back rewards without extra costs.

The Citi Rewards+® Card is tailored for travelers looking to accumulate points for their adventures. With no annual fee and a welcome offer of 20,000 bonus points after spending $1,500 in the first three months, this card is a solid choice for those who prefer earning rewards through travel and everyday purchases.

The card's introductory 0% APR for 15 months on both purchases and balance transfers can be particularly appealing for individuals planning significant expenditures or looking to manage existing debt. Recommended for users with a credit score ranging from 670 to 850, the Citi Rewards+ is a competitive option for consumers with good to excellent credit seeking to earn travel rewards without the burden of an annual fee.

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features of the Citi Custom Cash and the Citi Rewards+. For instance, if maximizing cash back on your highest spending category each month is your priority, the Custom Cash might be appealing. Alternatively, if you frequently travel and prefer earning points for flights and hotels, the Rewards+ could be a better fit.