Citi Custom Cash® Card vs RCI Elite Rewards World Mastercard
Citi Custom Cash® Card earns more in 10 of the 16 categories we track. Neither has an annual fee.
The basics
| Detail | Citi Custom Cash® Card | RCI Elite Rewards World Mastercard |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | RCI Member Rewards |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | $200 after $1,500 in 180 days | — |
What each earns
| Category | Citi Custom Cash® Card | RCI Elite Rewards World Mastercard |
|---|---|---|
| Dining & Restaurants | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Gas Stations | 5.0% (higher) 5x, up to $500 | 2.0% 2x |
| Groceries | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Streaming | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Drugstores & Pharmacies | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Home Improvement | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Gym & Fitness | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Rideshare & Transit | 5.0% (higher) 5x, up to $500 | 2.0% 2x |
| Entertainment | 5.0% (higher) 5x, up to $500 | 1.0% 1x |
| Travel | 5.0% (higher) 5x, up to $500 | 2.0% 2x |
| Airfare | 1.0% 1x | 2.0% (higher) 2x |
| Car Rentals | 1.0% 1x | 2.0% (higher) 2x |
| Card Travel Portals | 1.0% 1x | 2.0% (higher) 2x |
| Hotels & Lodging | 1.0% 1x | 2.0% (higher) 2x |
| EV Charging | 1.0% 1x | 2.0% (higher) 2x |
| Everything else | 1.0% 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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