Citi Custom Cash vs Amex Blue Cash Everyday
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Citi Custom Cash wins 2-1. Auto-detects your top spend category each cycle — set-and-forget. Amex Blue Cash Everyday is still the right call if no-fee amex with 3% supermarket — blue cash preferred minus the fee..
Side-by-side
| Criterion | Citi Custom Cash | Amex Blue Cash Everyday |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3% | 2.7% |
| Welcome bonus | = $200 cashback after $1,500 in 6 months | = $200 statement credit after $2,000 spend in first 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
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
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
FAQ
›Citi Custom Cash vs Amex Blue Cash Everyday: 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 Citi Custom Cash for its best categories, Amex Blue Cash Everyday for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Custom Cash: $200 cashback after $1,500 in 6 months. Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months.