Bank of America® Customized Cash Rewards Credit Card vs Citi® / AAdvantage® MileUp® Card

Bank of America® Customized Cash Rewards Credit CardBank of America® Customized Cash Rewards Credit Card

Bank of America

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Citi® / AAdvantage® MileUp® CardCiti® / AAdvantage® MileUp® Card

Citi

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
AAdvantage Miles
Point Value
1.00¢/pt
1.55¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $1,000 in 90 days
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Effective return by category

CategoryBank of America® Customized Cash Rewards Credit CardCiti® / AAdvantage® MileUp® Card
Groceries2.00%
2x · $2,500 cap
3.10%
2x
Gas Stations3.00%
3x · $2,500 cap
1.55%
1x
Amazon & Online Shopping3.00%
3x · $2,500 cap
1.55%
1x
Dining & Restaurants3.00%
3x · $2,500 cap
1.55%
1x
Travel3.00%
3x · $2,500 cap
1.55%
1x
Drugstores & Pharmacies3.00%
3x · $2,500 cap
1.55%
1x
Home Improvement3.00%
3x · $2,500 cap
1.55%
1x
Wholesale Clubs2.00%
2x · $2,500 cap
1.55%
1x
Everything else1.00%
1x
1.55%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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