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Citi® Double Cash Card vs. Bank of America® Cash Rewards Credit Card

Two excellent cashback credit cards with no annual fee.

Updated

Fact checked

The winner: Citi® Double Cash Card

Up to 2%

Cash back

  • An excellent choice for cash back and balance transfers
  • Market-leading 2% back (1% after buying, 1% after paying)
  • No annual fee
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Both the Citi® Double Cash Card and the Bank of America® Cash Rewards Credit Card are solid cashback options with a $0 annual fee and a long intro APR period on balance transfers. The main difference is the Citi® Double Cash Card, offers a flat cashback rate on all purchases, while the Bank of America® Cash Rewards Credit Card, lets you choose which category earns accelerated cash back, plus you get to earn a signup bonus and you get a long intro APR period on purchases, something the Citi card lacks.

Check out all the other perks and features in the table below.

Citi® Double Cash Card

Citi® Double Cash Card

Rates & Fees

Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

3.8 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Highest unlimited cash back
  • Best for flexibility of cashback categories
Welcome offer
Welcome offer

N/A

$200 after spending $1,000 in the first 90 days

Rewards
Rewards

Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else

Purchase APR
Purchase APR

13.99% to 23.99% variable

0% intro APR for 15 statement closing dates, and then 13.99% to 23.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 18 months, then 13.99% to 23.99% variable

0% intro APR for 15 statement closing dates, then 13.99% to 23.99% variable

Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 16.99% to 26.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 3% of each transaction 3% of each transaction
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 23 days 25 days
Minimum interest
Minimum interest $0.50 $1.50
Minimum credit score
Minimum credit score 740 720
Card type
Card type Credit Credit
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Compare Citi® Double Cash Card vs. Bank of America® Cash Rewards Credit Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Bank of America® Cash Rewards Credit Card
$200 after spending $1,000 in the first 90 days
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else
$0
Earn $ after spending $1,000 in the first 90 days form account opening.
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