Citi Double Cash vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Citi Double Cash wins 2-1. Set-it-and-forget-it 2% on everything 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 Double Cash | Bank of America Customized Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 3% (shopping) |
| Base reward rate | 2% | · 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cash back after spending $1,500 in first 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 Double Cash
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
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 Double Cash vs Bank of America Customized Cash: which is better?
Citi Double Cash wins on more dimensions (2 vs 1). 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 Double 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 Double Cash: $200 cash back after spending $1,500 in first 6 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.