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CardCurator — Rewards Intelligence
Quick Answer

The Citi Custom Cash edges out the cashRewards Secured for most cardholders — it wins on 2 of 4 comparison categories and offers $2 signup bonus earns more (up to 5x vs 1x). The cashRewards Secured is the better choice if you prioritize a different rewards ecosystem.

Card Comparison

cashRewards Secured vs Citi Custom Cash

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

cashRewards Secured card art
Navy Federal Credit Union
cashRewards Secured
Navy Federal Credit Union
More Info
Citi Custom Cash card art
Citi ThankYou Points
Citi Custom Cash
Citi
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
None
$200 credit
Spend $1,500 in 6 months
was $200
Top Earn Rates
  • All Purchases 1x
  • Top Eligible Category 5x
  • All Other Purchases 1x
Reward Type
cashback
cashback
Pts Value
~1.00¢/pt points · industry est.
~1.90¢/pt points · industry est.
Key Credits
None
None
Transfer Partners
Cash back only
  • AAdvantage
  • AAdvantage
  • Accor Live Limitless
  • Accor Live Limitless
  • Avianca LifeMiles
  • +33 more
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Common Questions: cashRewards Secured vs Citi Custom Cash

Is the cashRewards Secured or Citi Custom Cash better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

cashRewards Secured currently offers no current bonus. Citi Custom Cash offers $2 signup bonus (spend $1,500 in 6 months). Citi Custom Cash has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the cashRewards Secured and the Citi Custom Cash?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. cashRewards Secured is from Navy Federal Credit Union and Citi Custom Cash is from Citi, so they're governed by separate bank policies.