Bank of America Customized Cash Rewards vs Citi Diamond Preferred
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Choice Category 3x
- Grocery Stores 2x
- All Other Purchases 1x
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Common Questions: Bank of America Customized Cash Rewards vs Citi Diamond Preferred
Is the Bank of America Customized Cash Rewards or Citi Diamond Preferred better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Bank of America Customized Cash Rewards currently offers $20000 signup bonus (spend $1,000 in 3 months). Citi Diamond Preferred offers no current bonus. Bank of America Customized Cash Rewards has the larger bonus.
Which card is better for international travel?
Bank of America Customized Cash Rewards charges no foreign transaction fees — the better pick for international use. Citi Diamond Preferred charges 3% on foreign purchases.
Can I hold both the Bank of America Customized Cash Rewards and the Citi Diamond Preferred?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Customized Cash Rewards is from Bank of America and Citi Diamond Preferred is from Citi, so they're governed by separate bank policies.