Citi Custom Cash vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Citi Custom Cash wins 2-0. Auto-detects your top spend category each cycle — set-and-forget. Bank of America Customized Cash is still the right call if choose your 3% category each month — no rotation needed..
Side-by-side
| Criterion | Citi Custom Cash | Bank of America Customized Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cashback after $1,500 in 6 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Citi Custom Cash
- 5% cashback in your top eligible spend category each billing cycle (up to $500)
- 1% on everything else
- Eligible categories: restaurants, gas, grocery, travel, etc.
- No annual fee
- 0% intro APR for 15 months
Bank of America Customized Cash
- 3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
- 2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
- 1% on everything else
- No annual fee
FAQ
›Citi Custom Cash vs Bank of America Customized Cash: which is better?
Citi Custom Cash wins on more dimensions (2 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Custom Cash for its best categories, Bank of America Customized Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Custom Cash: $200 cashback after $1,500 in 6 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.