Capital One Savor vs Citi Custom Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Citi Custom Cash wins 2-1. Auto-detects your top spend category each cycle — set-and-forget. Capital One Savor is still the right call if foodies on a no-fee card — restaurants, delivery, streaming, groceries.
Side-by-side
| Criterion | Capital One Savor | Citi Custom Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (dining) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = $200 cashback after $1,500 in 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
Citi Custom Cash
- 5% cashback in your top eligible spend category each billing cycle (up to $500)
- 1% on everything else
- Eligible categories: restaurants, gas, grocery, travel, etc.
- No annual fee
- 0% intro APR for 15 months
FAQ
›Capital One Savor vs Citi Custom Cash: which is better?
Citi Custom Cash wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Savor for its best categories, Citi Custom Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Savor: $200 cash bonus after $500 spend in first 3 months. Citi Custom Cash: $200 cashback after $1,500 in 6 months.