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