Bank of America Customized Cash Rewards Credit Card vs Citi Prestige Card

Side-by-side comparison of Bank of America Customized Cash Rewards Credit Card and Citi Prestige Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bank of America Customized Cash Rewards Credit Card	Citi Prestige Card
Issuer	Bank of America	Citibank
Network	Visa	Mastercard
Card Material	Plastic	Metal
Annual Fee	$0.00	$495.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	5.00x
Auth. User Fee	$0.00	$75.00
Foreign Txn Fee	3%	0%
Lifecycle	Available	Grandfathered

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Category of your choice (up to $2.5K combined w/ grocery per quarter)	3.0%	1.0% (base)
Supermarkets	2.0%	1.0% (base)
Wholesale Clubs	2.0%	1.0% (base)
Restaurants	1.0% (base)	5.0%
Airline	1.0% (base)	5.0%
Hotels	1.0% (base)	3.0%
Priceline	1.0% (base)	5.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	18 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	18.24% - 28.24%	10.99% - 18.99%
Cash Advance APR	29.99%	21.24%
Penalty APR	N/A	21.49%
Late Fee	$40	$41
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	—	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	✓

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Citi 8/65