Bank of America Customized Cash Rewards Credit Card vs Citi Double Cash Card
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Citi Double Cash Card on hotels.
Card data as of November 13, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Citi Double Cash CardCiti · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Citi Double Cash Card$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backCiti Double Cash Card$200 cash back
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backCiti Double Cash CardCash back
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Citi Double Cash Card3%
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureCiti Double Cash CardMastercard
Earn ratesPer $1 spent
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Dining
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Electric Vehicle Charging
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Streaming
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Telecom
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Travel
- Bank of America Customized Cash Rewards Credit Card3%HighestCiti Double Cash Card2%
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%Citi Double Cash Card2%
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%Citi Double Cash Card2%
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Citi Double Cash Card2%Highest
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Citi Double Cash Card—
Perks & access— means none on record
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Citi Double Cash Card- Early access to concerts, sports, and theater tickets
- Tap to pay with contactless and digital wallets
- Pay no interest on balance transfers for 18 months
- No annual fee ever on this card
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Citi Double Cash Card- Zero Liability on unauthorized transactions
- Extended warranty
- Bank of America Customized Cash Rewards Credit Card—Citi Double Cash Card
- Extended warranty (secondary coverage)
- Other protections
- Bank of America Customized Cash Rewards Credit Card—Citi Double Cash Card
- Check your FICO score free every month
- 24/7 fraud monitoring with zero liability protection
- Free help resolving identity theft issues
- Quick card replacement if your wallet is lost or stolen
- Free identity monitoring service from Mastercard network
- Create virtual card numbers for safer online shopping
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- 24/7 lost/stolen card assistance worldwide
Pros & cons
- Pros
- Bank of America Customized Cash Rewards Credit Card
- 6% cash back in choice category for first year (3% + 3% bonus)
- No annual fee
- $200 welcome bonus after $1,000 spend
- 0% intro APR for 15 months on purchases and balance transfers
- Flexible category selection - change monthly
Citi Double Cash Card- 2% flat rate on all purchases with no caps
- No annual fee
- 0% intro APR for 18 months on balance transfers
- Simple earning structure - no tracking categories
- Points can combine with other Citi ThankYou cards
- Cons
- Bank of America Customized Cash Rewards Credit Card
- 3% foreign transaction fee
- $2,500 quarterly cap on bonus categories (combined choice category + grocery)
- 6% rate drops to 3% after first year
- Requires monthly category management for optimal returns
Citi Double Cash Card- 3% foreign transaction fee
- Must pay bill to earn second 1% cash back
- No travel insurance or trip protection
- Relatively modest $200 welcome bonus
- No bonus categories for high spenders
Category-by-Category Winner
The Citi Double Cash Card wins in 4 of 4 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 10 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)
Electric Vehicle Charging
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
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)
Streaming
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)
Telecom
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)
Travel
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)
Hotels
Citi Double Cash Card earns 5X vs 1X
5X via issuer travel portal
Car Rentals
Citi Double Cash Card earns 5X vs 1X
5X via issuer travel portal
Attractions
Citi Double Cash Card earns 5X vs 1X
5X via issuer travel portal
Everyday purchases
Citi Double Cash Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
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: $408 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $408 Year one: $608 | 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: $1,632 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,632 Year one: $1,832 | Citi Double Cash Card | Citi Double Cash Card |
Which Card Is Right for You?
Get the Bank of America Customized Cash Rewards Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
Get the Citi Double Cash Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Citi Double Cash Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Citi Double Cash Card?
- The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Bank of America Customized Cash Rewards Credit Card or the Citi Double Cash Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.