Citi Custom Cash® Card vs Citi Simplicity® Card

Citi Custom Cash® CardCiti Custom Cash® Card

Citi

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Citi Simplicity® CardCiti Simplicity® Card

Citi

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
No rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
0x
Welcome Bonus
$200 after $1,500 in 180 days
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Effective return by category

CategoryCiti Custom Cash® CardCiti Simplicity® Card
Dining & Restaurants5.00%
5x · $500 cap
0.00%
0x
Gas Stations5.00%
5x · $500 cap
0.00%
0x
Groceries5.00%
5x · $500 cap
0.00%
0x
Home Improvement5.00%
5x · $500 cap
0.00%
0x
Gym & Fitness5.00%
5x · $500 cap
0.00%
0x
Drugstores & Pharmacies5.00%
5x · $500 cap
0.00%
0x
Streaming5.00%
5x · $500 cap
0.00%
0x
Rideshare & Transit5.00%
5x · $500 cap
0.00%
0x
Entertainment5.00%
5x · $500 cap
0.00%
0x
Travel5.00%
5x · $500 cap
0.00%
0x
Everything else1.00%
1x
0.00%
0x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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