Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Citi Double Cash Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Citi Double Cash Card |
|---|---|---|
| Cable Tv | 3X | 2X |
| Dining | 3X | 2X |
| Drugstores | 3X | 2X |
| Gas Stations | 3X | 2X |
| Home Improvement | 3X | 2X |
| Online Shopping | 3X |
Network
Key Benefits
Pros
Cons
The Citi Double Cash Card wins in 2 of 2 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 6 more categories depend on booking channel or caps.
Dining
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Gas Stations
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Home Improvement
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Online Shopping
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Cable Tv
Depends: up to $2,500/quarter
Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).
| Travel | 3X | 2X |
| Grocery Stores | 2X | 2X |
| Wholesale Clubs | 2X | 2X |
| Everything Else | 1X | 2X |
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Travel
Citi Double Cash Card earns 5X vs 3X
5X via issuer travel portal
Everyday purchases
Citi Double Cash Card earns 2X on all other spending vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Customized Cash Rewards Credit Card | Citi Double Cash Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Rewards: $384 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $384 Year one: $584 | Citi Double Cash Card | Citi Double Cash Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $1,536 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,536 Year one: $1,736 | Citi Double Cash Card | Citi Double Cash Card |
Get the Bank of America Customized Cash Rewards Credit Card if you:
Get the Citi Double Cash Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
