Head-to-head · 🇺🇸 United States
Citi Premier vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Citi
Citi Premier
Wins 2 of 10
US
Bank of America
Bank of America Customized Cash
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Citi Premier | Bank of America Customized Cash |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 3% (travel) | = 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 ThankYou points after $4,000 in 3 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
Citi Premier
- 3x ThankYou points on travel (incl. gas)
- 3x on dining
- 3x on supermarkets
- Transferable to 16 airline partners
- $100 annual hotel credit
- No foreign transaction fees
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 Premier vs Bank of America Customized Cash: which is better?
It's a true tie — pick the one whose boost categories match your spend. Citi Premier wins on 2 criteria, Bank of America Customized Cash on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Premier 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 Premier: 60,000 ThankYou points after $4,000 in 3 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.