Bank of America Unlimited Cash Rewards credit card vs. Citi Double Cash Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Bank of America Unlimited Cash Rewards credit card
Bank of America
Citi Double Cash Card
Citi
Bank of America Unlimited Cash Rewards credit card and Citi Double Cash Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Bank of America Unlimited Cash Rewards credit card wins on first-year math; Citi Double Cash Card wins on earning ceiling.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 1 (1 tie)- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus 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 0×).
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $250
- $200
- First-year net
- +$250
- +$200
- Peak earning rate
- —
- 5×
- Top categories
- —
- 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.