Should I get the Bank of America Unlimited 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 Unlimited 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 Unlimited 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 Unlimited Cash Rewards Credit Card vs Citi Strata Credit Card

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

Bank of America Unlimited 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 Unlimited Cash Rewards Credit Card	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Live Entertainment	1X	3X
Pet Stores	1X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+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
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits

Category-by-Category Winner

The Citi Strata Credit Card wins in 10 of 11 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited 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 Unlimited 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 Unlimited Cash Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata

Explore More

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

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

Bank of America Unlimited 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 Unlimited Cash Rewards Credit Card	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Live Entertainment	1X	3X
Pet Stores	1X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+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
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits

Category-by-Category Winner

The Citi Strata Credit Card wins in 10 of 11 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited 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 Unlimited 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 Unlimited Cash Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata

Explore More

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

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

Bank of America Unlimited 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 Unlimited Cash Rewards Credit Card	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Live Entertainment	1X	3X
Pet Stores	1X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+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
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits

Category-by-Category Winner

The Citi Strata Credit Card wins in 10 of 11 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.

All Purchases

Bank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Unlimited 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 Unlimited 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 Unlimited Cash Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata

Explore More

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

Bank of America Unlimited Cash Rewards Credit Card

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

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

Bank of America Unlimited Cash Rewards Credit Card

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

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

Bank of America Unlimited Cash Rewards Credit Card

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?