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Citi Custom Cash℠ Card vs Blue Cash Everyday® Card from American Express

Citi Custom Cash℠ Card
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On Citi's secure site
Blue Cash Everyday® Card from American Express
Apply Now
On American Express's secure site
Product Details
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.

  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

  • No Annual Fee

  • Citi will only issue one Citi Custom Cash℠ Card account per person.

  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

  • Buy Now, Pay Later: Enjoy $0 plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.

  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).

  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.

  • 1% Cash Back on other purchases.

  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.

  • No annual fee.

  • Terms Apply.

Credit Score Needed
Excellent, Good
Excellent, Good
Card Type
Mastercard
American Express
Welcome Offer
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200 back after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% Cash Back at U.S. Gas Stations, 1% Cash Back on other eligible purchases
Intro Annual Fee
N/A
N/A
Annual Fee
$0
$0
Additional User Annual Fee
N/A
N/A
Foreign Transaction Fee
3%
2.7% of each transaction after conversion to US dollars.
Intro Purchase APR
0% for 15 months
0% on purchases for 15 months
Regular Purchase APR
13.99%-23.99% (Variable)
13.99%-23.99% Variable
Cash Advance Fee
5% of each cash advance; $10 minimum
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Cash Advance APR
25.24% (Variable)
25.24% Variable
Late Fee
Up to $40
Up to $40
Intro Balance Transfer APR
0% for 15 months
N/A
Regular Balance Transfer APR
13.99% - 23.99% (Variable)
N/A
Penalty APR
29.99% (Variable)
29.99% Variable
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
N/A
Return Payment Fee
Up to $40
Up to $40
Minimum Deposit
N/A
N/A