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Bank of America Customized Cash Rewards vs Citi Strata Elite Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bank of America Customized Cash RewardsBank of America | Citi Strata Elite CardCiti |
|---|---|---|
| Rating | 4.3/5 | 4.4/5 |
| Annual Fee | $0 | $595 |
| APR | 17.49% - 27.49% | 20.24% - 28.24% |
| Signup Bonus | $200 online cash rewards bonus after spending $1,000 in 90 days | 75,000 bonus points after spending $6,000 in 3 months |
| Rewards Rate | 6% in a category of your choice first year (3% + 3% first-year bonus), 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap), 1% on everything else | 10X on hotels, car rentals & attractions via Citi Travel, 5X on flights via Citi Travel, 3X on air travel, restaurants, supermarkets, gas/EV stations, 1X on everything else |
| Credit Score | good | excellent |
| Pros | Choose your own 3% category from six options 2% at grocery stores and wholesale clubs Preferred Rewards members can boost cash back up to 75% | Up to $300 annual hotel credit and $200 annual Splurge Credit 10X on hotels and 5X on flights via Citi Travel Transfer points to 17+ airline and hotel partners |
| Cons | $2,500 quarterly cap on 3% and 2% categories combined Best value requires Bank of America banking relationship Only 1% on non-category purchases | $595 annual fee is steep for the Citi ecosystem New card — still building out lounge and premium perks Fewer transfer partners than Amex or Chase |
| View Details → | View Details → |
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Verdict
Our Pick: Citi Strata Elite Card
With a 4.4/5 rating, the Citi Strata Elite Card edges out the Bank of America Customized Cash Rewards (4.3/5). At $595/yr, the value proposition is strong. The Citi Strata Elite is Citi's premium answer to the Amex Platinum and Chase Sapphire Reserve. With up to $500 in annual credits and strong portal earning rates, it competes on value if you can use the credits.