Bank of America Cash Rewards vs Citi Double Cash

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1. Citi double cash offers highest unlimited flat reward rate. If you want a simple flat rate reward card this is the best option. If you want to transfer balance than also citi double cash is good card.

Go for bank of america cash rewards if you want sign up bonus, intro apr on purchase and earn more rewards in bonus categories.

2. Pros:

Bank of America Cash Rewards

Citi Double Cash

$200 sign up bonus

2% unlimited cash back on everything

No annual fee

0% intro apr for 18 month balance transfer offer

Bonus categories

No annual fee

0% Intro apr on purchase and balance transfer

 

25% to 75% reward bonus for preferred card member

 
   

3. Cons:

Bank of America Cash Rewards

Citi Double Cash

Spending cap on bonus categories

Foreign transaction fee

Foreign transaction fee

No sign up bonus

1% reward on non bonus categories

No bonus categories

 

No intro apr on purchase

   

4. 

 

Bank of America Cash Rewards

Citi Double Cash

Reward Rate:

3% on the category of your choice

2% at grocery stores and wholesale clubs

1% everywhere else

1% cash back when you make purchases and 1% cash back when you pay off

Sign Up Bonus:

Earn a $200 online cash rewards bonus after you spend at least $1,000 on purchases within the first 90 days of account opening.

N/A

Annual Fee:

$0

$0

Intro Apr:

0% APR for 15 billing cycles on purchases and balance transfers

0% on Balance Transfers for 18 months

Regular Apr:

15.74% to 25.74% Variable

15.74% to 25.74% Variable

Credit Needed:

Good to Excellent

Good to Excellent

Balance Transfer Fee:

3% Min $10

3% Min $5

Cash Advance Fee:

5% Min $10

5% Min $10

Cash Advance Apr:

18.74% to 26.74% variable

26.74% variable

Foreign Transaction Fee:

3%

3%

Spending Cap:

$2500 combined in 2% and 3% bonus categories.

None

Loyalty Bonus

25% to 75% reward bonus for preferred reward member.

None

Bank Of America Cash Rewards Credit Card Review

Citi Double Cash Card Review With Pro And Cons

Related Differences:

Bank Of America Cash Rewards Vs Wells Fargo Propel American Express Card

 

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