Dedicated comparison page

Citi Custom Cash Card vs Citi Premier Card

Citi Custom Cash Card vs Citi Premier Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCiti Custom Cash CardNo annual fee
Highest reward rateCiti Custom Cash Card1.0%
Lowest starting credit rangeCiti Custom Cash Card670+

Quick Take

Citi Custom Cash Card

by Citi

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Citi Custom Cash Card is a cashback card from Citi with no annual fee, $200 cashback after $1,500 in 6 months, and fair to good credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

  • 5% on Dining
  • $200 cashback after $1,500 in 6 months
  • Foreign transaction fee: 3%
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Citi Premier Card

by Citi

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Citi Premier Card is a travel card from Citi with a $95 annual fee, 60,000 points after $4,000 in 3 months, and good to excellent credit.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

  • 3% on Travel
  • 60,000 points after $4,000 in 3 months
  • No foreign transaction fee
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Side-by-Side Facts

MetricCiti Custom Cash CardCiti Premier Card
Annual FeeNone$95
Reward Rate1.0%1.0%
Signup Bonus$200 cashback after $1,500 in 6 months60,000 points after $4,000 in 3 months
Foreign Transaction Fee3.0%None
Recommended CreditFair to good creditGood to excellent credit
Rewards SummaryEarn elevated rewards with 5% on Dining, 5% on Gas and 5% on Groceries, plus 1% on other purchases.Earn elevated rewards with 3% on Dining, 3% on Gas and 3% on Groceries, plus 1% on other purchases.

Who Should Pick Which Card?

Citi Custom Cash Card

Its strongest earning category is Dining at 5%, backed by 1% on general spending.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • $200 cashback after $1,500 in 6 months
  • No annual fee to offset rewards
  • Earns 5% on Dining
  • Earns 5% on Groceries

Tradeoffs

  • Foreign transaction fee of 3% can hurt value abroad
  • Base rewards on non-bonus spending are relatively modest

Citi Premier Card

Its strongest earning category is Travel at 3%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

Pros

  • 60,000 points after $4,000 in 3 months
  • Potentially worthwhile if you use the card enough to cover the $95 annual fee
  • Earns 3% on Travel
  • Earns 3% on Dining

Tradeoffs

  • Annual fee of $95 means you need ongoing value from the card
  • Typically requires good to excellent credit
  • Signup bonus requires $4000 in spending within 3 months
  • Base rewards on non-bonus spending are relatively modest

Frequently Asked Questions

What is the main difference between Citi Custom Cash Card and Citi Premier Card?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Citi Custom Cash Card has the lowest published starting credit range in this comparison at 670.

Which card has the lowest annual fee?

Citi Custom Cash Card has the lowest annual fee in this comparison at no annual fee.