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Custom Cash vs Citi Double Cash

Head to head on annual fee, rewards by category, and net value over a typical year of spending.

Head to head
CategoryCustom CashCiti Double Cash
  • Annual fee$0$0
  • Welcome bonus (est.)$0$2
  • Dining5%2%
  • Groceries1%2%
  • Gas1%2%
  • Travel1%2%
  • Online shopping1%2%
  • Entertainment1%2%
  • Transit1%2%
  • Everything else1%2%
Net annual value$448$511

The verdict

On a typical US spending profile the Citi Double Cash comes out ahead — about $64 more in net annual value. But the winner for you depends on where you actually spend.

Before fees, Custom Cash projects about $448 in rewards and Citi Double Cash about $511. Put your own monthly numbers in and the order can change.

FAQ's

  • 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.

  • Custom Cash: $0/year. Citi Double Cash: $0/year.

  • Flo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.