Citi Double Cash® vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →WealthSpott Verdict
Citi Double Cash® and Bank of America® Customized Cash Rewards are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Citi Double Cash®
Bank of America®
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
2%
1%-3%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 18 months
0% for 15 billing cycles
Regular APR
19.24%-29.24% Variable
19.24%-29.24% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Citi Double Cash®
Pros
- 0% APR for 18 months on purchases and balance transfers
- 2% cash back (1% + 1%)
Cons
- No bonus categories
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
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