Bank of America® Travel Rewards credit card vs. Citi Custom Cash® Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
Full review →
WealthSpott Verdict
Bank of America® Travel Rewards credit card wins on more measurable categories — particularly annual cost. Citi Custom Cash® Card may still win for your wallet depending on how you spend.
Feature
Bank of America®
Citi Custom Cash®
Annual Fee
$0
$0
Sign-up Bonus
25,000 points
$200
Rewards Rate
1.5x
1%-5%
Rewards Type
Points
Cash Back
0% Intro APR
0% for 15 billing cycles
0% for 15 months
Regular APR
19.24%-27.24% Variable
19.24%-29.99% Variable
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
Citi Custom Cash® Card
Pros
- 5% on top category (up to $500/quarter)
- No annual fee
- Categories include gas, groceries, dining
Cons
- Only one category earns 5% per month
- Foreign transaction fee
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