Citi Custom Cash Card vs Macys American Express Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Custom Cash Card

Citi

No image

Macys American Express Card

Citi

Annual Fee

Welcome Bonus

200 Cash

—

Base Earn Rate

Top Earn Categories

5X Dining

5X Drugstores

5X Fitness Clubs

5X Gas Stations

3X Dining

2X Gas Stations

2X Grocery Stores

Network

MASTERCARD

AMEX

Key Benefits

None

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

—

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

—

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

Macys American Express Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Citi Custom Cash Card vs Macys American Express Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Custom Cash Card

Citi

No image

Macys American Express Card

Citi

Annual Fee

Welcome Bonus

200 Cash

—

Base Earn Rate

Top Earn Categories

5X Dining

5X Drugstores

5X Fitness Clubs

5X Gas Stations

3X Dining

2X Gas Stations

2X Grocery Stores

Network

MASTERCARD

AMEX

Key Benefits

None

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

—

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

—

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

Macys American Express Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Citi Custom Cash Card vs Macys American Express Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Custom Cash Card

Citi

No image

Macys American Express Card

Citi

Annual Fee

Welcome Bonus

200 Cash

—

Base Earn Rate

Top Earn Categories

5X Dining

5X Drugstores

5X Fitness Clubs

5X Gas Stations

3X Dining

2X Gas Stations

2X Grocery Stores

Network

MASTERCARD

AMEX

Key Benefits

None

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

—

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

—

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

Macys American Express Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →