Citi Custom Cash® Card vs Wells Fargo Choice Privileges Mastercard
Citi Custom Cash® Card earns more in 11 of the 13 categories we track. Neither has an annual fee.
The basics
| Detail | Citi Custom Cash® Card | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | Choice Privileges Points |
| Each point is worth | 1.00¢ | 0.75¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | $200 after $1,500 in 180 days | 40,000 Choice Privileges Points after $1,000 in 3 months |
What each earns
| Category | Citi Custom Cash® Card | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Dining & Restaurants | 5.0% (higher) 5x, up to $500 | 0.8% 1x |
| Gas Stations | 5.0% (higher) 5x, up to $500 | 2.3% 3x |
| Groceries | 5.0% (higher) 5x, up to $500 | 2.3% 3x |
| Streaming | 5.0% (higher) 5x, up to $500 | 0.8% 1x |
| Drugstores & Pharmacies | 5.0% (higher) 5x, up to $500 | 0.8% 1x |
| Home Improvement | 5.0% (higher) 5x, up to $500 | 2.3% 3x |
| Gym & Fitness | 5.0% (higher) 5x, up to $500 | 0.8% 1x |
| Rideshare & Transit | 5.0% (higher) 5x, up to $500 | 0.8% 1x |
| Entertainment | 5.0% (higher) 5x, up to $500 | 0.8% 1x |
| Travel | 5.0% (higher) 5x, up to $500 | 0.8% 1x |
| EV Charging | 1.0% 1x | 2.3% (higher) 3x |
| Phone & Wireless | 1.0% 1x | 2.3% (higher) 3x |
| Everything else | 1.0% (higher) 1x | 0.8% 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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