Head to head 
Bank of America Customized Cash Rewards credit card vs. Citi Double Cash Card
On the criteria below, Citi Double Cash Card wins 1 of 3. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Citi Double Cash Card
Citi
At a glance
Citi Double Cash Card wins 1 of 3 criteria here, making it the stronger all-rounder.
Citi Double Cash Card leads on earning ceiling, while Bank of America Customized Cash Rewards credit card only ties the rest.
Who wins what
0 vs 1 (2 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Citi Double Cash Card
Citi Double Cash Card earns more on its best category (5× vs 3×).
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $200
- First-year net
- +$200
- +$200
- Peak earning rate
- 3×
- 5×
- Top categories
- Choice Category, Grocery
- Travel Portal
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Cashback
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.