Customized Cash Rewards vs Premium Rewards Elite
Customized Cash Rewards
$0/yr
7.0/10
VS
Premium Rewards Elite
$550/yr
5.5/10
Quick Answer
Customized Cash Rewards charges no annual fee with 1X base rewards. Premium Rewards Elite charges $550/yr with 1X base rewards. Customized Cash Rewards offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Customized Cash Rewards
Lower annual fee ($0 vs $550)
Rewards Earning
Customized Cash Rewards
3 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Premium Rewards Elite
$550 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Customized Cash Rewards wins for most people
The $550 fee difference is hard to justify unless you maximize premium benefits.
Apply for Customized Cash RewardsPREMIUM PICK
Premium Rewards Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Premium Rewards EliteRewards Earning: Detailed Comparison
Customized Cash Rewards
| Choice category (gas, dining, travel, etc.) | 3.0X (up to $2,500) |
| Grocery stores & wholesale clubs | 2.0X (up to $2,500) |
| Everything else | 1.0X |
Premium Rewards Elite
| Travel & dining | 2.0X |
| Everything else | 1.5X |