Choosing between the Bank of America Unlimited Cash Rewards (no annual fee) and the Citi Custom Cash Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now5% on your top spending category each billing cycle (up to $500/cycle).
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Unlimited Cash Rewards | Citi Custom Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | $200 after $1,500 spend in 6 months |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | <strong>1.5%</strong> | 1.0% |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | 5% on your top spending category each billing cycle (up to $500/cycle). |
Bank of America Unlimited Cash Rewards pulls ahead for travel, dining, groceries, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.