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VS

Compare the Features and Benefits of Citi Custom Cash℠ Card and
Delta SkyMiles® Platinum American Express Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
No Fees for Authorized Users
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Annual Statement Credits
Free Checked Bags
Priority Boarding
Global Entry / TSA PreCheck Reimbursement
Grants Car Rental Status
Secondary Car Rental CDW Waiver
Cell Phone Protection
Extended Warranty
Purchase Protection
Trip Protections
Travel and Emergency Assistance Services
No Foreign Transaction Fees
Free Access to Credit Score
Amex Offers
Metal Card
Annual Fee
$0
Avg. Min. Credit Score
580-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 19.24%-29.24% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 19.24%-29.24% thereafter)
Ongoing APR
19.24%-29.24% (Variable)
Balance transfers fees
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Best Multiplier
5x Airfare
5x Transit
5x Car Rentals
5x Gas Stations
5x Dining Out / Food Delivery
5x Hotels
5x Gym Memberships
5x Streaming Services
5x Drugstores
5x Entertainment (Concerts / Shows / Movies)
5x Groceries
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.016
Bonus Offer

$200 in the form of 20,000 bonus ThankYou® points when you spend $1,500 within 6 months

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

You will earn 5% cash back (as ThankYou® Points) on eligible purchases in your top spending category each billing cycle, up to the first $500 spent, with 1% cash back thereafter on all of your other eligible purchases made with your Citi Custom Cash card. You do not have to select anything at any time. It’s automatic. And these are not rotating bonus categories – it’s the same choice each month.
The eligible bonus spend categories are:

  • Restaurants
  • Gas Stations
  • Grocery Stores
  • Select Travel
  • Select Transit
  • Select Streaming Services
  • Drugstores
  • Home Improvement Stores
  • Fitness Clubs
  • Live Entertainment

restaurants-citi-custom-cash

You’ll earn an unlimited 1% cash back on all other purchases.

The 5X applies to your top category each month. So it’s kind of like a rotating bonus category except you choose – and you don’t even have to technically choose or register, the 5% is automatically applied to your highest spend category each billing cycle.

As a comparison, the Chase Freedom Flex offers a 5X rotating quarterly bonus category, but with a limit of $1,500 per quarter and on whatever categories they choose. This works out to the same $1,500 per quarter, but divided evenly each month such that you can utilize different categories each month.

This is the first and only card that I can think of that offers 5% at home improvement stores and at drugstores.

While a heavy spender may not be super impressed with the $500 a month cap, I think many spenders would be very happy to earn 5% on restaurants, grocery stores, gas, etc. on a card with no annual fee.

And heck, you could buy $500 worth of show or concert tickets one month and get 5% on that!

The Citi Custom Cash card is a perfect companion card to a Citi Premier® and a Citi® Double Cash card, creating a Citi Trifecta. If you have all three cards, you would use the Citi Premier for 3X Citi ThankYou points® on air travel & hotels, gas stations, restaurants and supermarkets, the Double Cash card for everything else at 2X, except for one category out of the Custom Cash’s options for 5X up to $500 a month. Personally, I think that most people would want to make this their go-to card for gas stations, as that is an easy one to spend roughly $500 a month on. But, of course, what category you pick will depend on your own spending patterns.

You might be thinking about getting multiple Citi Custom Cash cards – a Custom Cash card for each category, but you cannot. Acknowledging that someone might want to hold many of these to get everything at 5X, they have capped this card at one per person.

Bonus Eligibility Rules for the Citi Custom Cash card

The bonus offer is not available if you received one for opening a new Citi Custom Cash℠ Card account in the past 48 months.

However, this is GOOD news! You see, with all of the other Citi credit cards that earn ThankYou points you can only get one bonus, in total, every 24 months. Meaning that getting a Citi Premier precludes you from, for example, a Citi Rewards+.

But the Custom Cash card is not subject to that rule. So, you can get another Citi ThankYou® card bonus and a Custom Cash card bonus within the same 24 month period.

Bonus Category Definitions

It’s important to know what counts and what doesn’t, especially for bonus categories that start with the word “Select.”

The following definitions apply to the Citi Custom Cash card categories:

Restaurants

Includes purchases at cafes, bars, lounges and fast food restaurants. Excludes purchases at bakeries, caterers, restaurants located inside another business (such as hotels, stores, stadiums, grocery stores, or warehouse clubs) and third party dining delivery services.

Gas Stations

Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.

Grocery Stores

Includes purchases at supermarkets, meat/seafood stores, dairy stores, bakeries, and miscellaneous food/convenience stores. Excludes purchases at general merchandise/discount superstores; wholesale/warehouse clubs; candy, nut and confectionery stores. Purchases made at online supermarkets or with grocery delivery services also do not qualify if the merchant does not classify itself as a supermarket by using the supermarket merchant category code.

Select Travel

Includes airline, hotel, cruise line and travel agency purchases. Excludes timeshares, boat leases and rentals, campgrounds and trailer parks, and real estate agencies.

Select Transit

Includes car rentals, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, bridge and road tolls, parking lots/garages, bus lines, and motor home and recreational vehicle rentals. Excludes bike/scooter rentals, auto clubs and insurance companies.

Select Streaming Services

Includes the following cable, satellite, and streaming providers: Amazon Prime Video, Amazon Music, Apple Music, CBS All Access, Disney+, AT&T TV NOW, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.

Drugstores

Includes purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs if those merchants submit purchases made in their pharmacy with the drug store and pharmacy merchant category code.

Home Improvement Stores

Includes purchases at home supply warehouse stores, lumber and building materials stores, paint and wallpaper stores, hardware stores, nurseries – lawn and garden supply stores and paints, varnishes and supplies stores. Excludes florists and florists’ supply stores; nursery stock; wholesale construction stores; and glass stores.

Fitness Clubs

Includes membership fee and other purchases at athletic, sports and recreation facilities requiring membership such as health, tennis, and swimming clubs. Excludes fees associated with virtual services for home exercise equipment, personal monitoring devices, or fitness streaming classes.

Live Entertainment

Includes ticket purchases for live entertainment, including: concerts, live sporting events, live theatrical productions, amusement parks, and orchestras. Excludes: charitable organizations that provide live entertainment (benefits), sporting camps, sports complexes where you participate in the sport, public and private golf courses, country clubs (including membership fees), bowling alleys, movie theaters, tourist attractions, museums and art galleries.

concerts-citi-custom-cash-credit-card

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Annual Statement Credits
no
Free Checked Bags
no
Priority Boarding
no
Global Entry / TSA PreCheck Reimbursement
no
Grants Car Rental Status
no
Secondary Car Rental CDW Waiver
no
Cell Phone Protection
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Travel and Emergency Assistance Services
no
No Foreign Transaction Fees
no
Free Access to Credit Score
no
Amex Offers
no
Metal Card
no
Annual Fee
$350 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3x Hotels
2x Dining Out / Food Delivery

At restaurants, including takeout and delivery in the U.S.

2x Groceries

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Delta SkyMiles Platinum Amex card sits squarely between the ultra-premium (Reserve) and base-level annual-fee (Gold) Delta cards. While the $350 annual fee is still a sizable sum to consider, there’s a mile-long list of benefits for Delta loyalists.

With the Delta Platinum card, it’s not only easy to rack up thousands of SkyMiles from card spend alone, but you could spend your way to the finish line of Medallion status.

You’ll earn 3x bonus miles on Delta purchases and hotel bookings; 2x miles at restaurants worldwide and U.S. supermarkets; and 1x miles on all other purchases.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns 1 MQD (Medallion Qualifying Dollars) for every $20 spent on eligible purchases with your Card plus $2,500 MQDs each year – just for holding the card!

delta credit card

With your growing balance of Delta SkyMiles, you can book Delta award flights — and enjoy a 15% discount for being a cardholder. Beyond earning and redeeming miles, there are great ways to save money through the a Global Entry or TSA PreCheck application fee credit every 4.5 years, a first free checked bag on Delta flights, cell phone protection, trip coverage, and purchase protections.

Another key benefit that may move the needle for you is the annual roundtrip companion certificate, good for domestic, Caribbean, or Central American roundtrip flights in the Main Cabin. You’ll receive this reward after paying your card’s annual fee every account anniversary (after account opening). This allows you to book a second flight for a friend or family member for the cost of government imposed taxes and fees. Pick your route wisely, as you can easily save hundreds of dollars (and pay for the $350 annual fee) with the certificate alone. (Terms apply.)

And you’ll also receive up to $390 in statement credits each year with up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card (Enrollment Required) and up to $150 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

In summary, if you like flying Delta but don’t think you can justify the cost of the higher annual fee for the Reserve level card, the Delta Platinum card may be the perfect fit for your travel needs.

Rates and fees for the Delta SkyMiles® Platinum American Express Card

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Annual Statement Credits
yes
Free Checked Bags
yes
Priority Boarding
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Car Rental Status
yes
Secondary Car Rental CDW Waiver
yes
Cell Phone Protection
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Amex Offers
yes
Metal Card
yes

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