Bank of America® Customized Cash Rewards Credit Card for Students vs Citi Custom Cash® Card
Citi Custom Cash® Card earns more in 10 of the 18 categories we track. Neither has an annual fee.
The basics
| Detail | Bank of America® Customized Cash Rewards Credit Card for Students | Citi Custom Cash® Card |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | $200 after $1,000 in 90 days | $200 after $1,500 in 180 days |
What each earns
| Category | Bank of America® Customized Cash Rewards Credit Card for Students | Citi Custom Cash® Card |
|---|---|---|
| Dining & Restaurants | 3.0% 3x, up to $2,500 | 5.0% (higher) 5x, up to $500 |
| Gas Stations | 3.0% 3x, up to $2,500 | 5.0% (higher) 5x, up to $500 |
| Groceries | 2.0% 2x, up to $2,500 | 5.0% (higher) 5x, up to $500 |
| Streaming | 1.0% 1x | 5.0% (higher) 5x, up to $500 |
| Drugstores & Pharmacies | 3.0% 3x, up to $2,500 | 5.0% (higher) 5x, up to $500 |
| Home Improvement | 3.0% 3x, up to $2,500 | 5.0% (higher) 5x, up to $500 |
| Gym & Fitness | 1.0% 1x | 5.0% (higher) 5x, up to $500 |
| Rideshare & Transit | 1.0% 1x | 5.0% (higher) 5x, up to $500 |
| Entertainment | 1.0% 1x | 5.0% (higher) 5x, up to $500 |
| Travel | 3.0% 3x, up to $2,500 | 5.0% (higher) 5x, up to $500 |
| EV Charging | 3.0% (higher) 3x, up to $2,500 | 1.0% 1x |
| Amazon & Online Shopping | 3.0% (higher) 3x, up to $2,500 | 1.0% 1x |
| Airfare | 3.0% (higher) 3x, up to $2,500 | 1.0% 1x |
| Car Rentals | 3.0% (higher) 3x, up to $2,500 | 1.0% 1x |
| Card Travel Portals | 3.0% (higher) 3x, up to $2,500 | 1.0% 1x |
| Hotels & Lodging | 3.0% (higher) 3x, up to $2,500 | 1.0% 1x |
| Wholesale Clubs | 2.0% (higher) 2x, up to $2,500 | 1.0% 1x |
| Everything else | 1.0% 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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