Head-to-head · 🇺🇸 United States
Citi Custom Cash vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Citi
Citi Custom Cash
Wins 2 of 10
US
Discover
Discover It Miles
Discover
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Citi Custom Cash | Discover It Miles |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 1.5% (general) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $1,500 in 6 months | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.4/5 |
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
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Citi Custom Cash vs Discover It Miles: which is better?
It's a true tie — pick the one whose boost categories match your spend. Citi Custom Cash wins on 2 criteria, Discover It Miles on 2.
›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, Discover It Miles 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. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).