Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bank of America® Unlimited Cash Rewards credit card (no annual fee) and the Citi Double Cash® Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Citi Double Cash Card earns at least as much as Bank of America Unlimited Cash Rewards in every category, more on dining, groceries, gas, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowUnlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | Bank of America Unlimited Cash Rewards | Citi Double Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $250 after $1,000 spend in 90 days | $200 after $1,500 spend in 6 months |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | 1.5% | 2% |
| Rates with conditions not counted in the rows above |
None |
5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%. |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | Unlimited 2% cash back on all purchases. |
Citi Double Cash Card wins on travel, dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.