Side by side
Capital One Savor vs Citi Custom Cash
Capital One Savor
64 positive (88%) · 5 mixed (7%) · 4 negative (5%)
Trust + time weighted: +81%
AI summary — not a quote
The Capital One Savor is highly regarded as a premier no-annual-fee card for dining, groceries, and entertainment. It is frequently recommended as a simpler, cost-effective alternative to the Amex Gold, particularly for users who prefer cash back or want to avoid high annual fees. Its value is significantly enhanced when paired with a Venture X card, allowing users to convert cash back into travel miles.
Pros
- 3% cash back on dining, groceries, and entertainment (including movie theaters).
- No annual fee, making it easy to break even compared to premium cards.
- No foreign transaction fees, suitable for international travel.
- Seamless integration with the Venture X to convert cash back into miles.
Cons
- Does not offer competitive rewards for gas station purchases.
- Capital One's approval algorithm can be restrictive for 'experienced' users with many existing cards.
Top excerpts
I would check to see if you are pre approved for a savor or a chase freedom card
These are my favorite cards: Chase Freedom Unlimited, Discover IT Cash Back, AMEX BCE, Capital One Savor, and the Chase Freedom Flex
For the very niche scenarios where price drop protection could be relevant, I use the Savor.
Savor is definitely underrated for the food categories
If the answer is the former (free flights and many more cheap flights) then Capital One Savor is an excellent choice.
Citi Custom Cash
63 positive (74%) · 16 mixed (19%) · 6 negative (7%)
Trust + time weighted: +69%
AI summary — not a quote
The Citi Custom Cash is highly regarded as a specialized 'category killer' card that automatically awards 5% cash back on a user's highest spending category each billing cycle. While it is limited by a $500 monthly spend cap on the 5% tier, it is frequently used as a dedicated card for specific expenses like groceries, gas, or dining. It is often paired with other Citi cards to maximize rewards within the Citi ecosystem.
Pros
- Automatic 5% cash back on the highest qualifying spend category each month
- No annual fee
- No manual activation required for rotating categories
- Rewards can be pooled with other Citi cards (like Double Cash or Strata Premier) for travel transfers
Cons
- 5% reward is strictly capped at the first $500 of spend per month
- Potential for application rejection for those with thin credit files or students
- Narrow definitions for certain categories like streaming services
Top excerpts
You can get multiple Citi Custom Cash cards by product changing from another Citi card, label them, and dedicate one each to dining and groceries. A bit more complicated than one card, but hey, it's 5% cashback.
Citi Custom Cash - 5% Gas ($500/month)
if you maxed out your Citi Custom Cash 5% category each month, it would earn $180 more over the course of a year than if you used a 2% card.
Since you're already with Citi, adding a Custom Cash card and using it for your groceries would be a good move.
If you want 5% rewards capped at $500/month spending, Citi Custom Cash is the easiest way to earn at that level.