Custom Cash vs Citi Double Cash
Head to head on annual fee, rewards by category, and net value over a typical year of spending.
| Category | Custom Cash | Citi Double Cash |
|---|---|---|
| Annual fee | $0 | $0 |
| Welcome bonus (est.) | $0 | $2 |
| Dining | 5% | 2% |
| Groceries | 1% | 2% |
| Gas | 1% | 2% |
| Travel | 1% | 2% |
| Online shopping | 1% | 2% |
| Entertainment | 1% | 2% |
| Transit | 1% | 2% |
| Everything else | 1% | 2% |
| Net rewards / yr | $448 | $511 |
The verdict: Custom Cash vs Citi Double Cash
On a typical US spending profile, the Citi Double Cash comes out ahead — about $64 more in net annual rewards. But the winner for you depends on where you actually spend. Compare them on your own numbers, or use WalletFlo with your real transactions.
Annual rewards breakdown
Custom Cash: ~$448 in rewards before fees. Citi Double Cash: ~$511 before fees.
Reviews & calculators
Custom Cash review · Citi Double Cash review · Custom Cash calculator · Citi Double Cash calculator · Interactive compare
Frequently asked questions
- Is Custom Cash or Citi Double Cash better?
- On a typical US spending profile, Citi Double Cash delivers about $64 more in net annual value. Your winner depends on where you actually spend.
- What is the annual fee on Custom Cash vs Citi Double Cash?
- Custom Cash: $0/year. Citi Double Cash: $0/year.
- How is net annual value calculated?
- WalletFlo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.