Citi Custom Cash Card vs Amex Graphite Business Cash Unlimited Card

Side-by-side comparison of Citi Custom Cash Card and Amex Graphite Business Cash Unlimited Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Citi Custom Cash Card	Amex Graphite Business Cash Unlimited Card
Issuer	Citi	American Express
Network	Mastercard	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$295.00
Base Rate	1.00%	2.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	2.0% (base)
Top Eligible Spend Category (up to $500/billing cycle)	5.0%	2.0% (base)
Travel	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	3 partners	None
Annual Credits	None	None

Transfer Partners

5:4

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Pricing Details

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

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