Choosing between the Bank of America Unlimited Cash Rewards (no annual fee) and the Citi Double 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 NowStrongest in travel at 5%. Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Unlimited Cash Rewards | Citi Double 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 | 1.5% | <strong>2.0%</strong> |
| Travel Rewards | 1.5% | <strong>5%</strong> |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | Unlimited 2% cash back on all purchases. |
Citi Double Cash Card wins on travel, dining, groceries, gas.
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.