Capital One SavorOne vs Citi Custom Cash
Capital One SavorOne and Citi Custom Cash are roughly even on year-1 math at 1.8¢/pt.
Quick verdict
Capital One SavorOne and Citi Custom Cash are roughly even on year-1 math at 1.8¢/pt
Capital One SavorOne: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. Citi Custom Cash: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Capital One SavorOne | Citi Custom Cash | |
|---|---|---|
| Annual fee | $0 | $0 |
| Welcome bonus | 20,000 pts after $500 in 3mo | 20,000 pts after $1,500 in 6mo |
| Welcome bonus value @ 1.8¢ | $360 | $360 |
| Free-night cert | — | — |
| Recurring credits / year | $0 | $0 |
| Year-1 net @ 1.8¢ | $360 | $360 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Capital One SavorOne
0 recurring credits
No recurring credits listed in our catalog for this card.
Citi Custom Cash
0 recurring credits
No recurring credits listed in our catalog for this card.
Pick Capital One SavorOne if
you prefer the Capital One ecosystem (Capital One portal, Capital One transfer partners, Capital One elite status path).
Pick Citi Custom Cash if
you prefer the Citi ThankYou ecosystem (Citi ThankYou portal, Citi ThankYou transfer partners, Citi ThankYou elite status path).