Comparison brief
Bank of America Customized Cash vs. Citi Custom Cash
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
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