SavorOne vs Custom Cash

Updated September 24, 2026 · from RightCard's verified card and merchant data

Citi Custom Cash earns more in 6 of 9 categories (gas stations, travel, online shopping, drugstores), Capital One SavorOne in 3, with 0 tied. SavorOne: $39 fee. Custom Cash: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	SavorOne	Custom Cash	Wins
Restaurants	3%	1x points (1.6¢)	SavorOne
Supermarkets	3%	1x points (1.6¢)	SavorOne
Gas stations	1%	1x points (1.6¢)	Custom Cash
Travel	1%	1x points (1.6¢)	Custom Cash
Online shopping	1%	1x points (1.6¢)	Custom Cash
Drugstores	1%	1x points (1.6¢)	Custom Cash
Transit & rideshare	1%	1x points (1.6¢)	Custom Cash
Streaming	3%	1x points (1.6¢)	SavorOne
Everything else	1%	1x points (1.6¢)	Custom Cash

Point values: Custom Cash: Citi ThankYou Points at 1.6¢ toward travel. Cash out and most points are worth 1¢ or less.

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
SavorOne	$39 fee	none verified	—
Custom Cash	no annual fee	none verified	—

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Carrying both

Together they cover 9 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

Capital One SavorOne in full → · Citi Custom Cash in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

SavorOne or Custom Cash: which earns more?

Citi Custom Cash earns more in 6 of 9 categories (gas stations, travel, online shopping, drugstores), Capital One SavorOne in 3, with 0 tied. SavorOne: $39 fee. Custom Cash: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, SavorOne or Custom Cash?

SavorOne: $39 fee. Custom Cash: no annual fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 9 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card