Benefits: Both cards protect against fraudulent purchases and offer free access to your FICO credit score. Customers can receive a $200 cash bonus if they spend $1,000 within three months of opening an account. Sign-up bonus: The Bank of America® Unlimited Cash Rewards credit card and the Bank of America® Customized Cash Rewards credit card offer the same sign-up bonus. All other purchases earn 1% cash back, and the 3% cash back category includes gas, online shopping, dining and travel. The first $2,500 in spending at eligible grocery stores and wholesale clubs, plus a customer's choice category, earn cash back quarterly at a rate of 2% and 3%, respectively. A currency conversion fee (usually 13 percent of the whole amount) A Visa or MasterCard international transaction fee (1 percent a few banks absorb this fee. Rewards: While the Bank of America® Unlimited Cash Rewards credit card earns 1.5% cash back on all purchases, the Bank of America® Customized Cash Rewards credit card uses a different cash back system. Bank of America® Unlimited Cash Rewards credit cardĪnnual fee: Neither the Bank of America® Unlimited Cash Rewards credit card nor the Bank of America® Customized Cash Rewards credit card charges an annual fee. With the Citi Rewards+® Card, you will also have fraud protection, plus 24/7 customer service and special access to event tickets with Citi Entertainment.īank of America® Customized Cash Rewards credit card vs. Benefits: The Bank of America® Unlimited Cash Rewards credit card protects against fraudulent purchases and offers free access to your FICO credit score. Citi Rewards+® Card holders earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening redeemable for $200 in gift cards at. That means you could earn up to an unlimited 2.62 points per 1 spent on all purchases. Sign-up bonus: The Bank of America® Unlimited Cash Rewards credit card offers a bonus of $200 in cash rewards to customers who spend at least $1,000 in purchases in the first 90 days of account opening. You can earn up to 75 more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. You can earn 1.5% cash back on all purchases and redeem your cash as a statement credit or in a qualifying Bank of America or Merrill account. The Bank of America® Unlimited Cash Rewards credit card offers a simpler rewards program. Every purchase gets automatically rounded up to the nearest 10 points, and cardholders will receive 10% of redeemed points back on up to 100,000 points per calendar year. All other purchases earn one point per dollar. Rewards: Citi Rewards+® Card holders earn two points per dollar on up to $6,000 in gas station and supermarket purchases each year and then one point per dollar after that. Bank of America® Unlimited Cash Rewards credit cardĪnnual fee: Neither the Bank of America® Unlimited Cash Rewards credit card nor the Citi Rewards+ Card charges an annual fee.
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