Should I get the Bank of America Customized Cash Rewards Credit Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America Customized Cash Rewards Credit Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America Customized Cash Rewards Credit Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bank of America Customized Cash Rewards Credit Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Citi Strata Credit Card
Cosmetics	1X	3X
Dining	3X	2X
Drugstores	3X	1X
Fitness & Gyms	1X	3X
Gas Stations	3X	3X
Grocery Stores	2X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+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

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

−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

Category-by-Category Winner

Both cards win in 7 categories each — it comes down to which categories matter most to you.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 2X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Wholesale Clubs

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Citi Strata Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), 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 Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Citi Strata Amex Gold vs Bank Of America Customized Cash Amex Green vs Citi Strata

Explore More

Bank of America Customized Cash Rewards Credit Card — Full Review All Bank of America Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bank of America Customized Cash Rewards Credit Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Citi Strata Credit Card
Cosmetics	1X	3X
Dining	3X	2X
Drugstores	3X	1X
Fitness & Gyms	1X	3X
Gas Stations	3X	3X
Grocery Stores	2X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+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

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

−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

Category-by-Category Winner

Both cards win in 7 categories each — it comes down to which categories matter most to you.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 2X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Wholesale Clubs

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Citi Strata Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), 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 Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Citi Strata Amex Gold vs Bank Of America Customized Cash Amex Green vs Citi Strata

Explore More

Bank of America Customized Cash Rewards Credit Card — Full Review All Bank of America Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Citi cards

Bank of America Customized Cash Rewards Credit Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Citi Strata Credit Card
Cosmetics	1X	3X
Dining	3X	2X
Drugstores	3X	1X
Fitness & Gyms	1X	3X
Gas Stations	3X	3X
Grocery Stores	2X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+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

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

−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

Category-by-Category Winner

Both cards win in 7 categories each — it comes down to which categories matter most to you.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 2X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Wholesale Clubs

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Citi Strata Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), 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 Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Citi Strata Amex Gold vs Bank Of America Customized Cash Amex Green vs Citi Strata

Explore More

Bank of America Customized Cash Rewards Credit Card — Full Review All Bank of America Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Citi cards