Citi Custom Cash vs Discover it Cash Back
Which no-fee card earns more when you spend across groceries, gas, dining, and online shopping? Side-by-side engine results.
Key facts
For ~$3,000/month balanced spend profile, Citi Custom Cash℠ has the higher ongoing annual value at $578 per year, versus $417 for Discover it® Cash Back. Ongoing value is spend rewards plus perks, minus the annual fee. The welcome bonus is first-year only.
- Citi Custom Cash℠
- Ongoing value $578 · annual fee none · first-year value $778
- Discover it® Cash Back
- Ongoing value $417 · annual fee none · first-year value $417
Higher net value
| Metric | Citi Custom Cash℠ | Discover it® Cash Back |
|---|---|---|
| Ongoing annual value | $578 | $417 |
| First-year value (incl. bonus) | $778 | $417 |
| Spend rewards | $578 | $417 |
| Perks & credits | $0 | $0 |
| Welcome bonus | $200 | — |
| Annual fee | None | None |
Calculated using ~$3,000/month balanced spend profile. See methodology.