Citi Simplicity® vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →
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 Simplicity® wins on more measurable categories — particularly annual cost. Bank of America® Customized Cash Rewards may still win for your wallet depending on how you spend.
Feature
Citi Simplicity®
Bank of America®
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
0%
1%-3%
Rewards Type
None
Cash Back
0% Intro APR
0% for 12 months
0% for 15 billing cycles
Regular APR
18.49%-28.99% Variable Best
19.24%-29.24% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
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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