Blue Cash Preferred vs Custom Cash
Blue Cash Preferred
$95/yr
7.0/10
VS
Custom Cash
$0/yr
7.5/10
Quick Answer
Blue Cash Preferred charges $95/yr with 1X base rewards. Custom Cash charges no annual fee with 1X base rewards. Custom Cash offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Blue Cash Preferred →
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Winner by Category
Annual Fees
Custom Cash
Lower annual fee ($95 vs $0)
Rewards Earning
Blue Cash Preferred
5 earning categories
Benefits & Protection
Custom Cash
5 benefits vs 4
Statement Credits
Blue Cash Preferred
$204 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Custom Cash wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for Custom CashPREMIUM PICK
Blue Cash Preferred wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Blue Cash PreferredRewards Earning: Detailed Comparison
Blue Cash Preferred
| US supermarkets | 6.0X (up to $6,000) |
| Streaming services | 6.0X |
| Transit | 3.0X |
| US gas stations | 3.0X (up to $6,000) |
| Everything else | 1.0X |
Custom Cash
| Top eligible category each billing cycle | 5.0X (up to $500) |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Blue Cash Preferred (4 benefits)
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)
Custom Cash (5 benefits)
- Trip Delay Protection (up to $200)
- Worldwide Car Rental Insurance
- Citi Purchase Protection (up to $1,000)
- Citi Extended Warranty (up to $10,000)
- Extended Warranty