Double Cash vs Citi Custom Cash Card
Side-by-side on what matters: welcome bonus, real value, spend requirement, annual fee, and eligibility. Then check which one you can actually get.
| Double Cash Citi | Citi Custom Cash Card Citi | |
|---|---|---|
| Sign-up bonus | 20,000 points | 20,000 points |
| Estimated value | $400 | $280 |
| Minimum spend | $1,500 / 6 months | $1,500 / 3 months |
| Annual fee | None | None |
| Credit needed | good | good |
| Foreign transaction fee | Yes | Yes |
Bottom line
On raw welcome-bonus value, Double Cash is currently ahead (~$400 vs $280). But the “better” card depends on the annual fee you'll pay, the spend you can hit, and — most importantly — which one you can be approved for.
The biggest mistake is applying for a card you can't get. Run both through the eligibility checker (it applies Chase 5/24, Amex once-per-lifetime, and more), and if Chase is involved, confirm your 5/24 status first.
Values are conservative estimates net of the first-year annual fee and change frequently. See our methodology. Verify terms on the issuer's site.