Bank of America® Customized Cash Rewards Credit Card
vs. Citi Double Cash® Card

Both the Bank of America Customized Cash Rewards Credit Card and the Citi Double Cash Card offer compelling cash back rewards without an annual fee, making them strong contenders for your wallet. However, the Citi Double Cash edges ahead with its straightforward 2% cash back on all purchases, appealing to those who value simplicity and consistent rewards.

On the other hand, the BofA Customized Cash card is a strong option for those who can maximize the higher cash back in customizable categories. While neither card is co-branded, they both cater to consumers with good to excellent credit, ensuring accessibility for a wide range of applicants.

You might prefer the BofA Customized Cash if you spend consistently in specific categories like gas or groceries and can maximize the 3% cash back offer. The $200 bonus for new cardholders and the 0% introductory APR for 15 billing cycles on purchases and balance transfers can also be a significant draw if you have good to excellent credit.

You might prefer the Citi Double Cash if you value simplicity in your cash back rewards, earning a flat 2% on all purchases without worrying about specific categories. The longer 18-month 0% intro APR on balance transfers can help manage existing debt. This card is a strong choice if you have good to excellent credit and prefer straightforward rewards.

Evaluating APRs, fees, credit requirements, rewards and other features will illuminate which card will suit you. Use this section to discern the nuances, like BofA Customized Cash's bonus categories versus Citi Double Cash's flat-rate rewards.

The Citi Double Cash card simplifies earning with a flat 2% cash back on all purchases — 1% when you buy and another 1% as you pay. The BofA Customized Cash card offers 3% cash back in a chosen category, which includes a range of options that cater to varied spending habits. While not as universally rewarding as the Citi Double Cash, it can yield higher returns in these specific areas. The best bonus category for BofA Customized Cash is the customizable 3% option, which can surpass the Citi Double Cash if your spending is concentrated in one of the eligible categories.

For BofA Customized Cash, you can choose one category from the following to earn 3% cash back: gas — now including electric vehicle charging (EVC) stations; online shopping — now including cable, streaming, internet and phone services, dining, travel, drug stores or home improvements and furnishings. With BofA Customized Cash you can get 2% back on grocery stores and wholesale clubs. Citi Double Cash also offers 5% back on travel booked through the Citi Portal.

Following this section, you'll find a detailed table of bonus categories for both cards to help you compare at a glance.

Moving from earning to using your rewards, both the Bank of America Customized Cash and Citi Double Cash offer flexible redemption options. With the Bank of America Customized Cash, you can redeem your cash back as a deposit into Bank of America checking or savings accounts, as a statement credit, or for other options. There's no rush to redeem, as your cash back doesn't expire as long as your account is open.

Citi Double Cash also provides a straightforward redemption process. You can receive your cash back as a direct deposit, statement credit, or even a mailed check. Similar to its competitor, there's no expiration date on rewards, giving you the freedom to redeem them at your convenience.

MoneyGeek evaluates credit cards like the Bank of America Customized Cash and Citi Double Cash based on their performance in various use cases. For our comparison, we focus on the cash back category, where each card's highest scores are highlighted. The evaluation considers several factors, with the most weight given to the effective reward rate and the return on investment for card offers. Other significant factors include the cost of annual fees and the value of introductory purchase offers. These elements combine to form a comprehensive score that reflects the card's overall value in cash back scenarios. For a detailed understanding of our scoring process, you can review our ranking methodology.