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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Unlimited Cash Rewards vs Citi Custom Cash

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

Bank of America Unlimited Cash Rewards card art
Bank of America Cash Rewards
Bank of America Unlimited Cash Rewards
Bank of America
More Info
Citi Custom Cash card art
Citi ThankYou Points
Citi Custom Cash
Citi
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
$500 credit
Spend $5,000 in 3 months
$200 credit
Spend $1,500 in 3 months
Top Earn Rates
  • All Purchases 1.5x
  • Top Eligible Category 5x
  • All Other Purchases 1x
Reward Type
cashback
cashback
Key Credits
None
None
Transfer Partners
Cash back only
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
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Common Questions: Bank of America Unlimited Cash Rewards vs Citi Custom Cash

Is the Bank of America Unlimited Cash Rewards or Citi Custom Cash 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 Unlimited Cash Rewards currently offers $200 signup bonus (spend $5,000 in 3 months). Citi Custom Cash offers $200 signup bonus (spend $1,500 in 3 months). Both bonuses are roughly equal in value.

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 Unlimited Cash 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 Unlimited Cash Rewards is from Bank of America and Citi Custom Cash is from Citi, so they're governed by separate bank policies.