Citi Custom Cash® Card
vs. Capital One Savor Cash Rewards Credit Card

Both the Citi Custom Cash Card and the Capital One Savor Cash Rewards Credit Card offer enticing cash back rewards and no annual fees, which is why you're likely considering them. The Savor Cash has a higher cash back rate in popular categories like dining and entertainment and it has a generous welcome offer.

However, the Citi Custom Cash Card is also a strong card, especially if your spending is concentrated in one category. Citi Custom Cash offers 5% cash back on your top eligible spend category each billing cycle. Both cards are suited for those with good to excellent credit, so your decision may come down to which rewards structure suits your spending habits.

You might prefer the Savor Cash if you frequently spend on dining, entertainment and groceries. With its higher overall cash back score, you'll benefit from consistent rewards in these categories. Plus, the introductory APR offer and lack of an annual fee make it a cost-effective choice for everyday use.

You might prefer the Citi Custom Cash if your spending is more varied and concentrated in specific categories that change over time. The card adapts to your top spending category each billing cycle, offering 5% cash back on those purchases up to $500. This flexibility, combined with the introductory APR offer and no annual fee, can maximize your rewards.

Evaluating APRs, fees, credit requirements, rewards and other features side by side clarifies which card aligns with your spending habits. For instance, if dining and entertainment are where you spend most, Savor Cash may appeal more, while Citi Custom Cash could be ideal if you prefer varied top spending categories.

The Citi Custom Cash offers a tailored approach to rewards, giving 5% cash back on your top eligible spend category each billing cycle, up to the first $500 spent, then 1% thereafter. This can be lucrative for those who concentrate their spending in one category.

The Savor Cash provides a broader range of bonus categories, including a notable 3% cash back on dining, entertainment and groceries, which can be more beneficial for those with diverse spending habits. However, it lacks the higher 5% rate of the Citi Custom Cash in the top spend category. Savor Cash does not have a 'pick your own' or 'top spend' category feature.

For the Citi Custom Cash, the eligible spending categories for the 5% cash back include:

• Restaurants
• Gas stations
• Grocery stores
• Select travel
• Select transit
• Select streaming services
• Drugstores
• Home improvement stores
• Fitness clubs
• Live entertainment

Following is a table of bonus categories to help you compare the rewards programs of both cards.

Citi Custom Cash allows for redemption in various forms without minimum requirements, except for checks. Points have no expiration. On the other hand, Savor Cash provides several redemption methods, including automatic preferences for statement credits or checks. Rewards remain valid for the life of the account, ensuring your cash back is ready when you are.

MoneyGeek conducts thorough reviews and evaluations of credit cards like the Savor Cash and Citi Custom Cash based on their performance. For this comparison, we focus on the cash back category, where each card has shown the strongest results. The evaluation considers factors such as the value of rewards and the benefits of introductory offers.

The biggest influences on their cash back scores are the effective reward rate, accounting for half of the score, and the return on investment for offers. Other considerations include annual fees, issuer satisfaction, and penalties, among others.