Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Citi Custom Cash vs Discover it Cash Back

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

Citi Custom Cash card art
Citi ThankYou Points
Citi Custom Cash
Citi
More Info
Discover it Cash Back card art
Discover Miles
Discover it Cash Back
Discover
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
$200 credit
Spend $1,500 in 3 months
See issuer
Top Earn Rates
  • Top Eligible Category 5x
  • All Other Purchases 1x
  • Rotating Quarterly Categories 5x
  • All Other Purchases 1x
Reward Type
cashback
cashback
Key Credits
None
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
Cash back only
Open full comparison tool Compare more cards

Common Questions: Citi Custom Cash vs Discover it Cash Back

Is the Citi Custom Cash or Discover it Cash Back 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?

Citi Custom Cash currently offers $200 signup bonus (spend $1,500 in 3 months). Discover it Cash Back offers $200 signup bonus. Both bonuses are roughly equal in value.

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 Citi Custom Cash and the Discover it Cash Back?

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