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Bank of America Customized Cash Rewards Credit Card vs Citi Simplicity Card
Both are well-respected travel cards. The Bank of America Customized Cash Rewards Credit Card comes from Bank of America at $0/yr; the Citi Simplicity Card from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Bank of America Customized Cash Rewards Credit Card | Citi Simplicity Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Not advertised | No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Bank of America | Citi |
| Card category | cashback | |
| Best earning category (Choice_category) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Bank of America Customized Cash Rewards Credit Card
$0/yr ·
Read the full review
Citi Simplicity Card
$0/yr · No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program
Editorial take: Citi Simplicity Card
Common questions
- Which card has the bigger sign-up bonus, Bank of America Customized Cash Rewards Credit Card or Citi Simplicity Card?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Bank of America Customized Cash Rewards Credit Card's $0 annual fee worth it compared to the Citi Simplicity Card?
- The Bank of America Customized Cash Rewards Credit Card has no annual fee, so the question is whether the Citi Simplicity Card's $0 fee is justified by its perks. If you'll use enough of the Citi Simplicity Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Bank of America Customized Cash Rewards Credit Card.
- Can I have both the Bank of America Customized Cash Rewards Credit Card and Citi Simplicity Card?
- Yes, since they're from different issuers (Bank of America and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Customized Cash Rewards Credit Card or the Citi Simplicity Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Customized Cash Rewards Credit Card: no published min spend. Citi Simplicity Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.