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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.

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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
Learn more
Learn more

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Which card should you choose?

Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
  • Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
  • Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.

Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card

  • $0 annual fee
  • Earn up to 3% cash back on purchases
  • Intro APR on purchases and balance transfers for the first 15 statement closing dates

Compare cash back credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Chase Freedom Unlimited®
5% cash back at grocery stores on up to $12,000 in the first year, 5% on Lyft and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Earn a $200 signup bonus after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
Petal® Visa® Credit Card
Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments
12.99% to 29.49% variable
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score.
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
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Compare Bank of America credit cards

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