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 Strata Credit Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Citi Strata Credit Card |
|---|---|---|
| Beauty | 1X | 3X |
| Cable Tv |
The Citi Strata Credit Card wins in 7 of 7 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 8 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 Strata Credit 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 Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X 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 Strata Credit Card earns 1X (1X without restrictions)
Travel
Depends: via issuer travel portal
Both scenarios favor the Citi Strata Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| 3X |
| 1X |
| Dining | 3X | 2X |
| Drugstores | 3X | 1X |
| Fitness | 1X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 2X | 3X |
| Home Improvement | 3X | 1X |
| Live Entertainment | 1X | 3X |
| Online Shopping | 3X | 1X |
| Pet | 1X | 3X |
| Streaming | 1X | 3X |
| Top Spend Category | 1X | 3X |
| Transit | 1X | 3X |
| Travel | 3X | 1X |
| Wholesale Clubs | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Citi Strata Credit Card earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 3X (1X without restrictions)
Grocery Stores
Citi Strata Credit Card earns 3X vs 2X
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Citi Strata Credit Card earns 1X (1X without restrictions)
Transit
Citi Strata Credit Card earns 3X vs 1X
Top Spend Category
Depends: Must select category at citi.com/selfselect
Citi Strata Credit Card earns 3X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 1X (1X without restrictions)
Beauty
Citi Strata Credit Card earns 3X vs 1X
Fitness
Citi Strata Credit Card earns 3X vs 1X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1X
Pet
Citi Strata Credit Card earns 3X vs 1X
Streaming
Citi Strata Credit Card earns 3X 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 Strata Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Customized Cash Rewards Credit Card | Citi Strata Credit 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: $317 Credits (our usable estimate): $50 − Annual fee ($0) Ongoing: $367 Year one: $687 | Citi Strata Credit Card | Citi Strata Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $1,267 Credits (our usable estimate): $50 − Annual fee ($0) Ongoing: $1,317 Year one: $1,637 | Citi Strata Credit Card | Citi Strata Credit Card |
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.
