Custom Cash vs Unlimited Cash Rewards
Custom Cash
$0/yr
7.5/10
VS
Unlimited Cash Rewards
$0/yr
7.0/10
Quick Answer
Custom Cash charges no annual fee with 1X base rewards. Unlimited Cash Rewards charges no annual fee with 1X base rewards. Custom Cash offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
Apply for Custom Cash →
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Winner by Category
Annual Fees
Custom Cash
Lower annual fee ($0 vs $0)
Rewards Earning
Custom Cash
2 earning categories
Benefits & Protection
Custom Cash
5 benefits vs 0
Statement Credits
Custom Cash
$96 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Custom Cash edges ahead
Better rewards and benefits at the same fee level.
Apply for Custom CashPREMIUM PICK
Unlimited Cash Rewards is a strong alternative
Competitive features make it worth considering.
Apply for Unlimited Cash RewardsRewards Earning: Detailed Comparison
Custom Cash
| Top eligible category each billing cycle | 5.0X (up to $500) |
| Everything else | 1.0X |
Unlimited Cash Rewards
| Everything | 1.5X |
Card Benefits: Detailed Comparison
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
Unlimited Cash Rewards (0 benefits)
No benefits data available