Citi Custom Cash® Card vs United Gateway Card

Citi Custom Cash® CardCiti Custom Cash® Card

Citi

Loading...
United Gateway CardUnited Gateway Card

Chase

Loading...
Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
United MileagePlus
Point Value
1.00¢/pt
1.35¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $1,500 in 180 days
—

Effective return by category

CategoryCiti Custom Cash® CardUnited Gateway Card
Dining & Restaurants5.00%
5x · $500 cap
1.35%
1x
Gas Stations5.00%
5x · $500 cap
2.70%
2x
Groceries5.00%
5x · $500 cap
1.35%
1x
Home Improvement5.00%
5x · $500 cap
1.35%
1x
Gym & Fitness5.00%
5x · $500 cap
1.35%
1x
Rideshare & Transit5.00%
5x · $500 cap
2.70%
2x
Drugstores & Pharmacies5.00%
5x · $500 cap
1.35%
1x
Streaming5.00%
5x · $500 cap
1.35%
1x
Entertainment5.00%
5x · $500 cap
1.35%
1x
Travel5.00%
5x · $500 cap
1.35%
1x
Everything else1.00%
1x
1.35%
1x

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?

Ask the Advisor