Bank of America® Customized Cash Rewards vs Citi Double Cash®
Side-by-side comparison
| Bank of America® Customized Cash Rewards | Citi Double Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 online cash rewards bonus | $200 cash back |
| Dining | 3x | 2x |
| Groceries | 2x | 2x |
| Gas | 3x | 2x |
| Travel | 3x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $491 | $583 |
| Points type | Cash back only | Pools with Citi → transferable |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Bank of America® Customized Cash Rewards earns about $491 a year in rewards and the Citi Double Cash® about $583, valuing every point at a flat 1 cent. The Bank of America® Customized Cash Rewards has no annual fee, so its rewards are all profit. The Citi Double Cash® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Citi Double Cash® delivers more total value, about $92 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and streaming. The bigger difference is the ceiling: the Citi Double Cash® earns points you can move to travel partners for outsized value, while the Bank of America® Customized Cash Rewards pays plain cash back. Favor the Citi Double Cash® if you will use travel transfers, the Bank of America® Customized Cash Rewards if you want simplicity. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bank of America® Customized Cash Rewards if your spending leans toward dining, gas, travel. Pick the Citi Double Cash® if your spending leans toward streaming, everything else.