Hilton Honors American Express Aspire Card vs Citi Custom Cash Card

Side-by-side comparison of Hilton Honors American Express Aspire Card and Citi Custom Cash Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Hilton Honors American Express Aspire Card	Citi Custom Cash Card
Issuer	American Express	Citi
Network	American Express	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$550.00	$0.00
Base Rate	3.00%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	3.0% (base)	1.0% (base)
Hotels	14.0%	1.0% (base)
Airline	7.0%	1.0% (base)
Restaurants	7.0%	1.0% (base)
Travel	7.0%	1.0% (base)
Top Eligible Spend Category (up to $500/billing cycle)	3.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	3 partners
Annual Credits	None	None

Transfer Partners

—

5:4

Pricing Details

Purchase APR	12.74% - 21.74%	19.24% - 29.24%
Cash Advance APR	28.74%	29.99%
Penalty APR	29.99%	29.99%
Late Fee	$40	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard