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

Two excellent cashback credit cards with no annual fee.

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Megan Horner
Updated
Fact checked

Both the Citi® Double Cash Card and the Bank of America® Customized Cash Rewards 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® Customized Cash Rewards, 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.

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

Citi® Double Cash Card

Citi® Double Cash Card

Terms apply, see rates & fees

Bank of America® Customized Cash Rewards

Bank of America® Customized Cash Rewards

Terms apply, see rates & fees
Finder rating
Finder 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

15.49% to 25.49% variable

0% intro APR for 15 billing cycles, and then 16.24% to 26.24% variable

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

0% intro APR for 18 months (then 15.49% to 25.49%) Intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) variable

0% intro APR for 15 statement closing dates (then 16.24% to 26.24%) variable
Cash advance
Cash advance

APR: 26.74% variable

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

APR: 19.24% to 29.24% 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 $41 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 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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