Bank of America® Customized Cash Rewards Credit Card vs Citi Custom Cash® Card

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

Bank of America

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Citi Custom Cash® CardCiti Custom Cash® Card

Citi

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Cash Back
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
$200 after $1,000 in 90 days
$200 after $1,500 in 180 days

Effective return by category

CategoryBank of America® Customized Cash Rewards Credit CardCiti Custom Cash® Card
Dining & Restaurants1.50%
1.5x
5.00%
5x · $500 cap
Gas Stations1.50%
1.5x
5.00%
5x · $500 cap
Groceries2.00%
2x
5.00%
5x · $500 cap
Select Streaming1.50%
1.5x
5.00%
5x · $500 cap
Drugstores & Pharmacies1.50%
1.5x
5.00%
5x · $500 cap
Home Improvement1.50%
1.5x
5.00%
5x · $500 cap
Gym & Fitness1.50%
1.5x
5.00%
5x · $500 cap
Wholesale Clubs2.00%
2x
1.00%
1x
Everything else1.50%
1.5x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

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

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