Bank of America Customized Cash
Bank of America
No annual feeCash Back3% foreign feeVisaUsually needs 670+
View issuer offerComparison brief
Bank of America Customized Cash vs. Citi Custom Cash
Browse all comparisons
Citi stopped accepting new Custom Cash applications on May 28, 2026, so this comparison is most useful for existing Custom Cash holders weighing a Customized Cash Rewards alongside it, not for someone choosing between the two from scratch. Both cards build their whole identity around a single bonus category, but they hand you the choice differently: Bank of America lets you pick your 3% category yourself (and keeps paying it, plus an automatic 2% on groceries and wholesale clubs, up to a combined $2,500 per quarter); Citi skips the manual pick entirely and auto-applies 5% to whichever eligible category you spent the most in that month, up to $500 in spend.
2/4 selected
Ready
Overview
Citi Custom Cash
Citi
No annual feeCiti ThankYou Points3% foreign feeMastercardUsually needs 670+
No longer offered
Some links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Everything else
- Bank of America Customized Cash
- 1%
- Citi Custom Cash
- 1x
| Category | Bank of America Customized Cash | Citi Custom Cash |
|---|---|---|
| Everything else | 1% | 1x |
Issuer travel portals 3 categories — only earned when you book through that issuer’s portal
Citi Travel - Attractions
- Bank of America Customized Cash
- —
- Citi Custom Cash
- 5x
Citi Travel - Hotels
- Bank of America Customized Cash
- —
- Citi Custom Cash
- 5x
Citi Travel - Rental Cars
- Bank of America Customized Cash
- —
- Citi Custom Cash
- 5x
| Category | Bank of America Customized Cash | Citi Custom Cash |
|---|---|---|
| Citi Travel - Attractions | — | 5x |
| Citi Travel - Hotels | — | 5x |
| Citi Travel - Rental Cars | — | 5x |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
Run the optimizer — free