Citi Custom Cash vs. Bank Of America Customized Cash Rewards (2025)

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Key Characteristics

winner

Citi Custom Cash® Card

4.3WalletHub Rating

WalletHub Rating

4.3

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.4

User Reviews

3.5

Market Comparison

4.3

fees: 3.8

rewards: 4.7

cost: 4.6

Other Features: 0.0

Learn More

Bank of America® Customized Cash Rewards credit card

4.1WalletHub Rating

WalletHub Rating

4.1

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.0

User Reviews

3.8

Market Comparison

4.2

fees: 3.8

rewards: 4.3

cost: 4.5

Other Features: 0.0

Learn More

user reviews

WalletHub Rating

4.3

WalletHub Rating

4.3

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.4

User Reviews

3.5

Market Comparison

4.3

fees: 3.8

rewards: 4.7

cost: 4.6

Other Features: 0.0

4.1

WalletHub Rating

4.1

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.0

User Reviews

3.8

Market Comparison

4.2

fees: 3.8

rewards: 4.3

cost: 4.5

Other Features: 0.0

credit card company

Citibank

Bank of America

Credit score

Excellent, Good

Excellent

annual fee

$0

purchase intro apr

Citi Custom Cash.Purchase Intro A.P.R. Not Offered

Bank of America Customized Cash Rewards credit card.Purchase Intro A.P.R. 0% for 15 billing cycles

transfer intro apr

Citi Custom Cash.Transfer Intro A.P.R. 0% for 18 months|Transfer Fee: 5% (min $5)

Bank of America Customized Cash Rewards credit card.Transfer Intro A.P.R. 0% for 15 billing cycles for any balance transfers made in the first 60 days|Transfer Fee: 3% for 60 days from account opening, then 4%

regular apr

17.74% - 27.74% (V)

17.74% - 27.74% Variable

bonus offer

$200

rewards rate

Citi Custom Cash - Rewards Rate. 1 - 5% Cash Back

Bank of America Customized Cash Rewards credit card - Rewards Rate. 1 - 6% Cash Back

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Rewards

Citi Custom Cash gets the win here, offering cardholders 5% back in their top eligible spending category each billing cycle, up to $500 spent (1% back on other purchases). The Bank of America Customized Cash Rewards credit card is close behind, offering 6% cash back for the first year from account opening in a category of your choice (then 3% cash back) and 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly combined).

Both cards offer a $200 initial bonus, though the Bank of America Customized Cash Rewards credit card offer has a lower spending requirement.

Citi Custom Cash® Card

Bank of America® Customized Cash Rewards credit card

rewards Type

Cash Back

bonus offer

$200

rewards rate

1 - 5% Cash Back

1 - 6% Cash Back

rewards details

Citi Custom Cash - Rewards Details

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Earn an additional 4% cash back on hotels, car rentals, and attractions booked with Citi Travel.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

Bank of America Customized Cash Rewards credit card - Rewards Details

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. Earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Choose which category you want to earn 6% cash back in – for the first year: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase.
No annual fee and cash rewards don’t expire as long as your account remains open.

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Major Fees

Neither card charges an annual fee, and both levy a 3% foreign transaction fee on purchases processed outside of the U.S. Citi Custom Cash notches the win here as the better overall card.

winner

Citi Custom Cash® Card

Bank of America® Customized Cash Rewards credit card

Annual fee

$0

Monthly Fee

$0

One-time Fees

$0

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Purchase APRs

Citi Custom Cash and the Bank of America Customized Cash Rewards credit card both offer the same intro APRs on purchases. The two cards offer the same regular APR range as well. Again, the edge here goes to Citi Custom Cash as the better overall card.

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Citi Custom Cash® Card

Bank of America® Customized Cash Rewards credit card

purchase intro rate

Not Offered

0% for 15 billing cycles

regular apr

17.74% - 27.74% (V)

17.74% - 27.74% Variable

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Balance Transfers

The Bank of America Customized Cash Rewards credit card is the winner here. Both cards get you the same intro APR on balance transfers and have comparable regular APRs, but the Bank of America Customized Cash Rewards credit card gives you a better deal on the balance transfer fee, at 3% for 60 days from account opening, then 4%. Citi Custom Cash charges a balance transfer fee of 5% (min $5).

Citi Custom Cash® Card

winner

Bank of America® Customized Cash Rewards credit card

Balance Transfer Intro APR

0% for 18 months

0% for 15 billing cycles for any balance transfers made in the first 60 days

regular apr

17.74% - 27.74% (V)

17.74% - 27.74% Variable

balance transfer fee

5% (min $5)

3% for 60 days from account opening, then 4%

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Reviews

Citi Custom Cash edges out the Bank of America Customized Cash Rewards credit card with an average user review rating of 3.5 / 5 and a 4.4/5 editor’s review score. The Bank of America Customized Cash Rewards credit card has a slightly higher user review rating, at 3.9 / 5, but drops off considerably with a 4/5 editor’s review score.

Citi Custom Cash also posts the higher WalletHub Rating: 4.26 / 5 stars to 4.11 / 5 stars. The WalletHub Rating is based on our editor’s rating, user reviews, and how the card’s terms compare to other options on the market.

winner

Citi Custom Cash® Card

Bank of America® Customized Cash Rewards credit card

user reviews

(85)

(1,322)

EDITOR'S RATING

4.4 / 5

4.0 / 5

WALLETHUB RATING

4.3 / 5

WalletHub Rating

4.3

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.4

User Reviews

3.5

Market Comparison

4.3

fees: 3.8

rewards: 4.7

cost: 4.6

Other Features: 0.0

4.1 / 5

WalletHub Rating

4.1

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.0

User Reviews

3.8

Market Comparison

4.2

fees: 3.8

rewards: 4.3

cost: 4.5

Other Features: 0.0

BEST WHEN USED TO

Earn Gas Rewards

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Additional Info

winner

Citi Custom Cash® Card

Bank of America® Customized Cash Rewards credit card

foreign transaction fee

3%

cash advance apr

29.99% (V)

See Terms

cash advance fee

5% (min $10)

See Terms

grace period

23 days

See Terms

Additional Info

Citi Custom Cash - Additional Info

The Custom Cash® Card is no longer available through WalletHub.com but may be available on the Citi website. Info about the card has been collected by us, the financial institution did not provide the details.
0% Intro APR for 18 months on balance transfers from date of account opening. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.

Bank of America Customized Cash Rewards credit card - Additional Info

The Bank of America® Customized Cash Rewards credit card is no longer available through WalletHub.com but may be available on the Bank of America website. Info about the card has been collected by us, the financial institution did not provide the details.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.74% - 27.74% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Contactless Cards - The security of a chip card, with the convenience of a tap.

About the Author

John S Kiernan

Credit Card Editor

John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.

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3.65 out of 5 rating873 Reviews

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Rates & Fees

3.65 out of 5 rating873 Reviews

4.2WalletHub Rating

WalletHub Rating

4.2

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

5.0

User Reviews

3.6

Market Comparison

4.2

fees: 3.8

rewards: 4.3

cost: 4.6

Other Features: 0.0

Purchase Intro APR0% for 15 months

Transfer Intro APR0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)

Regular APR18.74% - 28.24% (V)

Purchase Intro APR

0% for 15 months

Transfer Intro APR

0% for 15 months|Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)

Regular APR

18.74% - 28.24% (V)

annual fee

$0

rewards rate

1.5 - 5% Cash Back

Bonus Offer

$200

Bonus Offer

$200

credit score

Excellent Credit, Good Credit

Pros

$200 initial bonus
Earn rate: 1.5 - 5% cash back
0% for 15 months on purchases and balance transfers
$0 annual fee

Cons

Balance transfer fee
Foreign transaction fee
Potential for a high regular APR

Rewards Details

Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

Additional Info

Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.74% - 28.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

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Wells Fargo Active Cash® Card

3.35 out of 5 rating226 Reviews

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4.4WalletHub Rating

WalletHub Rating

4.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.9

User Reviews

3.3

Market Comparison

4.4

fees: 3.8

rewards: 4.7

cost: 4.7

Other Features: 0.0

Purchase Intro APR0% for 12 months from account opening

Transfer Intro APR0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5)

Regular APR18.74%, 24.74%, or 28.74% Variable

Purchase Intro APR

0% for 12 months from account opening

Transfer Intro APR

0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days from account opening, then up to 5% (min $5)

Regular APR

18.74%, 24.74%, or 28.74% Variable

annual fee

$0

rewards rate

2% Cash Rewards

Bonus Offer

$200 Cash Rewards

Bonus Offer

$200 Cash Rewards

credit score

Excellent Credit, Good Credit

Pros

$200 cash rewards bonus
$0 annual fee
2% cash rewards on purchases
0% introductory APR

Cons

High regular APR
Foreign transaction fee
Balance transfer fee

Rewards Details

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.

Additional Info

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

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Questions & Answers

Comparing credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.

28

Upvotes

How much is the Bank of America Cash Rewards foreign transaction fee?

Reply

28

0

Maria Adams, Credit Cards Moderator

The Bank of America® Customized Cash Rewards credit card foreign transaction fee is 3%. This means Bank of America will add a 3% surcharge anytime you use the Bank of America® Customized Cash Rewards credit card outside of the United States. The fee also applies to online purchases made through an internationally-based merchant.

To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.

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5

Upvotes

What are the Bank of America Cash Rewards categories?

Reply

5

0

Chip Lupo, Credit Card Writer

The Bank of America® Customized Cash Rewards credit card categories for bonus rewards are grocery stores and wholesale clubs, plus your choice of gas, online shopping, dining, travel, drug stores or home improvement/furnishings. Purchases that fall into the Bank of America Customized Cash Rewards credit card bonus categories get cardholders extra rewards compared to the card's base earning rate.

Whether a purchase falls into a card's bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit card networks to merchants based on what kind of business...

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10

Upvotes

How can I redeem my Bank of America cash rewards?

Reply

10

1

Maria Adams, Credit Cards Moderator

The easiest way you can redeem your Bank of America cash rewards is either online or through the mobile app. Alternatively, you can do it over the phone, by calling customer service at (800) 434-8313.

How to Redeem Your Bank of America Cash Rewards Online

Log in to your Bank of America credit card account.
Select the “Rewards” tab.
Choose a redemption option.
Select the amount of cash back to redeem.
...

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2

Upvotes

Does the Citi Custom Cash card have pre-approval?

Reply

2

0

Chip Lupo, Credit Card Writer

Yes, you can get pre-approved for the Citi Custom Cash® Card. Citibank has an online pre-approval page where you can quickly check your odds of approval for certain Citibank cards before you apply for one.

You may also receive pre-approved offers from Citibank by e-mail or when logging into your card account. Citibank may also mail you pre-approved offers for a specific card.

Getting pre-approved for a Citi Custom Cash indicates that your chances of being approved for an account...

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2

Upvotes

What is the Citi Custom Cash Card credit score requirement?

Reply

2

0

Evelyn Boros, Credit Cards Moderator

The Citi Custom Cash® Card credit score requirement is good credit or better.

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Citi Custom Cash. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

If you excel in other areas, you might be able to get approved with a slightly lower credit...

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16

Upvotes

What is the Bank of America Cash Rewards online shopping benefit?

Reply

16

6

Chip Lupo, Credit Card Writer

The Bank of America Customized Cash Rewards credit card online shopping benefit is part of the 6% cash back categories. Online and mobile transactions with certain merchant category codes qualify for this bonus cash back. Eligible merchant categories include bookstores, clothing and apparel, department stores, and more.

Bank of America Customized Cash Rewards credit card Online Shopping Category Details

Bookstores
Clothing and Apparel
Department Stores
Discount Stores
Electronics
Specialty Retail Stores
Sporting Goods
Streaming Services
Internet and Cable

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0

12

Upvotes

What is the Bank of America Customized Cash Rewards card credit score requirement?

Reply

12

1

Paddy Sullivan, WalletHub Credit Card Analyst

The Bank of America® Customized Cash Rewards credit card credit score requirement is 750 or better. That means people with excellent credit have a shot at getting approved for the Bank of America Customized Cash Rewards credit card.

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Bank of America Customized Cash Rewards credit card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

If you excel in...

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7

Upvotes

Does the Bank of America Cash Rewards card have travel insurance?

Reply

7

0

James W Reed, Credit Cards Moderator

The issuer does not disclose any specific information regarding the Bank of America Customized Cash Rewards credit card travel insurance. The card may offer it as part of the Visa Signature benefits, but it is not guaranteed. So, make sure to check the guide to benefits that came with your Bank of America Customized Cash Rewards credit card to see which perks are included with your card.

In general, travel insurance includes travel accident insurance, lost/damaged luggage reimbursements, baggage delay insurance, and emergency assistance.

Alternative Credit Card...

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3

Upvotes

What are the best Bank of America Cash Rewards credit card benefits?

Reply

3

0

Chip Lupo, Credit Card Writer

The best Bank of America Customized Cash Rewards credit card benefits are $0 liability on unauthorized charges and overdraft protection. The Bank of America® Customized Cash Rewards credit card also has contactless chip technology and overdraft protection, which are more common perks across Bank of America credit cards.

Bank of America Customized Cash Rewards credit card Benefits

Contactless Chip Technology
Overdraft Protection
Zero Liability Fraud Protection
Account Activity Alerts
Mobile Banking
Paperless Statement Option
Digital Wallet Technology

In addition to these benefits, the Bank of America Customized Cash Rewards credit card comes...

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9

Upvotes

How do I get the Bank of America Customized Cash Rewards sign-bonus?

Reply

9

0

Cameron DiGiovanni, Writer

The Bank of America Customized Cash Rewards credit card sign-up bonus is $200 for spending $1,000 in the first 90 days.

In addition to the bonus, the Bank of America Customized Cash Rewards credit card offers 1 - 6% cash back on purchases. Its annual fee is $0, and the card is available to people with excellent credit.

For more options, check out WalletHub's picks for the best credit card sign-up bonuses overall.

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Citi Custom Cash Card vs. Bank Of America Customized Cash Rewards Credit Card

THE WINNER

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Key Characteristics

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Rewards

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Major Fees

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Purchase APRs

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Balance Transfers

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Reviews

Citi Custom Cash vs. Bank of America Customized Cash Rewards credit card: Additional Info

About the Author

John S Kiernan

Still not sure?

Questions & Answers

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Important Disclosures

Citi Custom Cash Card vs.
Bank Of America Customized Cash Rewards Credit Card