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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Premium Rewards vs Citi Custom Cash

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Premium Rewards card art
Bank of America Travel Rewards
Bank of America Premium Rewards
Bank of America
More Info
Citi Custom Cash card art
Citi ThankYou Points
Citi Custom Cash
Citi
More Info
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
60,000 points
Spend $4,000 in 3 months
$200 credit
Spend $1,500 in 6 months
Top Earn Rates
  • Travel 2x
  • Dining 2x
  • All Other Purchases 1.5x
  • Top Eligible Category 5x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
  • Airline Incidental Credit $100
  • TSA PreCheck / Global Entry $100
None
Transfer Partners
No transfer partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
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Common Questions: Bank of America Premium Rewards vs Citi Custom Cash

Is the Bank of America Premium Rewards or Citi Custom Cash better for dining?

Bank of America Premium Rewards earns 2x on dining; Citi Custom Cash has no dining bonus.

Which has the higher signup bonus in 2026?

Bank of America Premium Rewards currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). Citi Custom Cash offers $200 signup bonus (spend $1,500 in 6 months). Bank of America Premium Rewards has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Bank of America Premium Rewards and the Citi Custom Cash?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Premium Rewards is from Bank of America and Citi Custom Cash is from Citi, so they're governed by separate bank policies.