Bank of America Customized Cash Rewards vs Citi Double Cash
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1%
vs
2%
Sign-Up Bonus
$200
vs
$200
Editor Score
7/10
vs
8/10
Detailed Comparison
| Category wins | 3/6 | 3/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 16.49% – 26.49% | 18.49% – 28.49% |
| Intro APR (Purchases) | 0% · 15 mo | |
| Intro APR (Balance Transfer) | 0% · 15 mo | 0% · 18 mo |
| Foreign Txn Fee | 3%★ Lowest | 3% |
| Balance Transfer Fee | 3% | 3% |
| Rewards | ||
| Rewards Type | Cashback | Cashback |
| Base Rewards Rate | 1%✗ Lowest | 2%★ Highest |
| Bonus Categories | 3% Your Choice (gas, online, dining, travel, etc.) · 2% Groceries & Wholesale | |
| Sign-Up Bonus | $200 value★ Highest | $200 value |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Visa | Mastercard |
| At a Glance | ||
| Best For | Bank of America customers who want category flexibility | Maximizing flat-rate cash back |
| Ratings | ||
| User Rating | 4.3 / 5✗ Lowest | 4.6 / 5★ Highest |
| Editor Score | 7 / 10✗ Lowest | 8 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
Customization vs. simplicity. The BofA Customized Cash lets you pick your 3% category (gas, dining, online shopping, etc.) plus 2% on groceries. The Double Cash earns a flat 2% everywhere. If you can commit to one bonus category, the BofA card earns more in that area plus groceries. The Double Cash is better if your spending is spread evenly or you don't want to think about it.
It depends on your priorities — both are excellent choices
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Common Questions
Which is better: Bank of America Customized Cash Rewards or Citi Double Cash?
It depends on your spending habits. The Bank of America Customized Cash Rewards has no annual fee and earns 1% base rewards. The Citi Double Cash has no annual fee and earns 2% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Bank of America Customized Cash Rewards and Citi Double Cash?
The Bank of America Customized Cash Rewards has no annual fee while the Citi Double Cash has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Bank of America Customized Cash Rewards and Citi Double Cash?
Yes, since these cards are from different issuers (Bank of America and Citi), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.