Dedicated comparison page
Bank of America Customized Cash Rewards vs Citi Double Cash Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Bank of America
Bank of America Customized Cash Rewards is a cashback card from Bank of America with no annual fee, $200 bonus after $1,000 in 3 months, and fair to good credit.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
by Citi
Citi Double Cash Card is a cashback card from Citi with no annual fee, $200 cashback after $1,500 in 6 months, and good to excellent credit.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have good to excellent credit.
| Metric | Bank of America Customized Cash Rewards | Citi Double Cash Card |
|---|---|---|
| Annual Fee | None | None |
| Reward Rate | 1.0% | 2.0% |
| Signup Bonus | $200 bonus after $1,000 in 3 months | $200 cashback after $1,500 in 6 months |
| Foreign Transaction Fee | 3.0% | 3.0% |
| Recommended Credit | Fair to good credit | Good to excellent credit |
| Rewards Summary | Earn elevated rewards with 3% on Dining, 3% on Gas and 3% on Groceries, plus 1% on other purchases. | Earn 2% on general spending. |
Its strongest earning category is Dining at 3%, backed by 1% on general spending.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
It keeps the value proposition simple with 2% on everyday purchases.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have good to excellent credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
Bank of America Customized Cash Rewards has the lowest published starting credit range in this comparison at 670.
Bank of America Customized Cash Rewards has the lowest annual fee in this comparison at no annual fee.