Citi Custom Cash Card vs Upgrade Triple Cash Rewards

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

Citi Custom Cash Card

Citi

Upgrade Triple Cash Rewards

Sutton Bank

Annual Fee

Welcome Bonus

200 Cash

—

Base Earn Rate

—

Top Earn Categories

5X Dining

5X Drugstores

5X Fitness Clubs

5X Gas Stations

3X Auto Maintenance

3X Drugstores

3X Fitness Clubs

3X Healthcare

Network

MASTERCARD

VISA

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

Upgrade Triple Cash Rewards — Full Review All Sutton Bank Cards

Browse all comparisons →Browse all card categories →

Citi Custom Cash Card vs Upgrade Triple Cash Rewards

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

Citi Custom Cash Card

Citi

Upgrade Triple Cash Rewards

Sutton Bank

Annual Fee

Welcome Bonus

200 Cash

—

Base Earn Rate

—

Top Earn Categories

5X Dining

5X Drugstores

5X Fitness Clubs

5X Gas Stations

3X Auto Maintenance

3X Drugstores

3X Fitness Clubs

3X Healthcare

Network

MASTERCARD

VISA

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

Upgrade Triple Cash Rewards — Full Review All Sutton Bank Cards

Browse all comparisons →Browse all card categories →

Citi Custom Cash Card vs Upgrade Triple Cash Rewards

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

Citi Custom Cash Card

Citi

Upgrade Triple Cash Rewards

Sutton Bank

Annual Fee

Welcome Bonus

200 Cash

—

Base Earn Rate

—

Top Earn Categories

5X Dining

5X Drugstores

5X Fitness Clubs

5X Gas Stations

3X Auto Maintenance

3X Drugstores

3X Fitness Clubs

3X Healthcare

Network

MASTERCARD

VISA

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

Upgrade Triple Cash Rewards — Full Review All Sutton Bank Cards

Browse all comparisons →Browse all card categories →