Bank of America Unlimited Cash Rewards Credit Card vs Citi Double Cash Card
Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card leads on everyday spending; the Citi Double Cash Card on hotels.
Card data as of October 12, 2026.
Bank of America Unlimited Cash Rewards Credit CardBank of America · No annual fee
Citi Double Cash CardCiti · No annual fee
Overview
- Annual fee
- Bank of America Unlimited Cash Rewards Credit Card$0Citi Double Cash Card$0
- Welcome offerCurrent public offer
- Bank of America Unlimited Cash Rewards Credit Card$250 cash backCiti Double Cash Card$200 cash back
- Rewards
- Bank of America Unlimited Cash Rewards Credit CardCash backCiti Double Cash CardCash back
- Foreign transaction fee
- Bank of America Unlimited Cash Rewards Credit Card3%Citi Double Cash Card3%
- Network
- Bank of America Unlimited Cash Rewards Credit CardVisa SignatureCiti Double Cash CardMastercard
Earn ratesPer $1 spent
- Everything else
- Bank of America Unlimited Cash Rewards Credit Card1.5%Citi Double Cash Card2%Highest
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Unlimited Cash Rewards Credit Card
- 3% balance transfer fee
- 0% APR 15 months
Citi Double Cash Card—
Perks & access— means none on record
- Other perks
- Bank of America Unlimited 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 Unlimited Cash Rewards Credit Card—Citi Double Cash Card
- Zero Liability on unauthorized transactions
- Extended warranty
- Bank of America Unlimited Cash Rewards Credit Card—Citi Double Cash Card
- Extended warranty (secondary coverage)
- Other protections
- Bank of America Unlimited 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 Unlimited Cash Rewards Credit Card
- Unlimited 1.5% cash back on all purchases
- No annual fee
- $250 welcome bonus after $1,000 spend
- 0% intro APR for 15 months on purchases and balance transfers
- No category tracking required
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 Unlimited Cash Rewards Credit Card
- 3% foreign transaction fee
- Flat 1.5% rate, no bonus categories
- Lower earning rate than category-specific cards in bonus areas
- No premium perks or travel benefits
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 Unlimited Cash Rewards Credit Card leads in 0.
Hotels
Citi Double Cash Card earns 5X vs 1.5X
5X via issuer travel portal
Car Rentals
Citi Double Cash Card earns 5X vs 1.5X
5X via issuer travel portal
Attractions
Citi Double Cash Card earns 5X vs 1.5X
5X via issuer travel portal
Everyday purchases
Citi Double Cash Card earns 2X on all other spending vs 1.5X
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 Unlimited Cash Rewards Credit Card | Citi Double Cash Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $430 | 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: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $970 | 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 |
Which Card Is Right for You?
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 1.5X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Citi Double Cash Card?
- The Citi Double Cash Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.
- Should I get the Bank of America Unlimited 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 October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.