The Citi Custom Cash Card and the Bank of America Customized Cash Rewards credit card are both popular cash back rewards cards. They offer similar rewards structures, but there are some key differences that may make one card a better fit for you than the other.
General Comparison
Both cards are quite similar in rewards structure and other benefits such as 0% intro APR and welcome bonus.
While Citi Custom Cash cashback rewards ratio is higher, the cap is lower compared to the Customized Rewards card.
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Cashback Battle: Citi Custom Cash vs. BofA Cash Rewards
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| |
|---|---|---|
Spend Per Category | Citi Custom Cash Card | BofA Customized Cash Rewards |
$15,000 – U.S Supermarkets | $390 *** | $200 ** |
$5,000 – Restaurants
| $50 | $150 * |
$4,000 – Airline | $40 | $40 |
$3,000 – Hotels | $30 | $30 |
$4,000 – Gas | $40 | $40 |
Estimated Annual Value | $550 | $460 |
* 3% On Restaurants ** 2% On Supermarkets up to $5,000 *** 5% On Supermarkets up to $6,000
Extra Benefits: Citi Custom Cash vs. BofA Cash Rewards
Citi Custom Cash Card
$0 Liability on Unauthorized Charges: Enjoy complete protection against any unauthorized charges on your account at Citi. You won't be held responsible for charges you didn't authorize, whether online or otherwise.
Free Access to your FICO® Score: Monitor your FICO® Score effortlessly with no impact on your credit score. Accessible anytime, the score is updated monthly and easily accessible through the Citi Mobile® App and Citi® Online.
24/7 Customer Service: Experience round-the-clock assistance from our customer service representatives, available 24 hours a day, 7 days a week to address your needs.
Bank of America Customized Cash Rewards
- Balance Connect® for overdraft protection: Link your Bank of America checking account to your credit card for overdraft protection, preventing declined purchases and overdrafts with no transfer fees (though other fees may apply).
- Account Alerts: Stay on top of your finances with email or text alerts that keep you informed about your balances and payment due dates, so you never miss a payment.
- FICO® Score: Get access to your free monthly FICO® Score by opting in through the Mobile Banking app or Online Banking, helping you track your credit health.
When You Might Want the Citi Custom Cash?
You might find the Citi Custom Cash Card a better option than the Bank of America Customized Cash Rewards card in a few situations:
- Low Spender: If you typically spend less than $6,000 annually in your chosen category, the Custom Cash card offers higher rewards.
- Focus on Specific Category: If your spending tends to focus on a particular category, the Custom Cash rewards structure could work better for you.
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When You Might Want the Customized Cash Rewards?
You might prefer the Bank of America Customized Cash Rewards card over the Citi Custom Cash Card in certain situations:
- Your Spending Aligns with Preferred Categories: If your expenditures align with the Customized Cash preferred categories, you have the potential to earn a greater cashback amount with this card.
- This Serves as Your Primary Card: If this credit card is your primary choice, and you regularly make purchases across 3-4 different categories, you can take full advantage of the card's elevated reward limits and superior rewards ratios.
Compare The Alternatives
It's always a good idea to be aware of other options before determining the most suitable choice for your needs.
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|
| |
|---|---|---|---|
Capital One Quicksilver Cash Rewards Credit Card | Blue Cash Preferred® Card from American Express | Chase Sapphire Preferred® Card | |
Annual Fee | $0
| $95 ($0 intro for the first year)
| $95
|
Rewards |
1.5% – 5%
5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
|
1-6%
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit
and U.S. gas stations, 1% cash back on other purchases
|
2X – 5X
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
|
Welcome bonus |
$200
$200 cash bonus once you spend $500 on purchases within 3 months from account opening
|
$250
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
|
60,000 points
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
|
Foreign Transaction Fee | $0 | 2.70% | $0
|
Purchase APR | 19.74% – 29.74% (Variable)
| 18.49% – 29.49% Variable
| 20.99% – 27.99% variable APR
|
Compare BofA Customized Cash Rewards
Both cards have no annual fee, but when it comes top redemption value – the Customized Cash Rewards gives you more. Here's our analysis.
Bank of America Travel Rewards vs Customized Cash Rewards Card
The BofA Customized Cash Rewards is more flexible, but the Chase Unlimited card will drive more rewards and benefits. Here's why.
Bank of America Customized Cash Rewards vs Chase Freedom Unlimited
The BofA Customized Cash Rewards and the Chase Freedom Flex have many features in common, but there is a clear winner when comparing them.
Compare Citi Custom Cash Card
If you're a high spender, the Citi Double Cash Card can give you more. But what if you're just looking for everyday rewards?
Citi® Double Cash Card vs Citi Custom Cash℠ Card : Which Card Wins?
The Citi Custom cash offers high cashback on your preferred category, but it's very limited in rewards compared to the Blue Cash Preferred
Amex Blue Cash Preferred vs. Citi Custom Cash Card: Which Card Is Best?
When it comes to cashback potential, the Chase Freedom Unlimited wins, especially for those who frequently engage in travel-related expenses
Chase Freedom Unlimited vs. Citi Custom Cash Card: Which Card Is Best?
Both cards provide comparable cashback terms, with Citi Custom Cash being more flexible as it autonomously selects your preferred category.
Unlike the Amex Blue Cash Everyday, Citi Custom Cash automatically adjusts its cashback categories based on your spending habits.
Citi Custom Cash vs. Amex Blue Cash Everyday: Which Card Is Best?
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