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BofA Unlimited Cash Rewards vs Citi Double Cash

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Our score: Citi Double Cash is ahead by 5.4 points. Scores: BofA Unlimited Cash Rewards 64.9%, Citi Double Cash 70.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Unlimited Cash Rewards nets $346/yr, Citi Double Cash nets $461/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeRewards: 10.0 · Cash: 10.0
• Rewards rateRewards: 6.0 · Cash: 9.5
• Sign-up bonusRewards: 3.3 · Cash: 2.7
• Intro 0% APRRewards: 7.1 · Cash: 8.6
• Regular APRRewards: 8.0 · Cash: 7.4
• Foreign transaction feeRewards: 3.0 · Cash: 3.0
• Regulatory record (CFPB)Rewards: 8.0 · Cash: 8.0

Downsides

• BofA Unlimited Cash Rewards64.9%
  Bank of America · cash back
  Annual fee $0Interest rate (APR) 17.74%–27.74% variableRewards 1.5% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 27.74% if you carry a balance · Penalty interest rate (APR) up to 29.99%

• Citi Double Cash70.3%
  Citi · cash back
  Annual fee $0Interest rate (APR) 18.49%–28.74% variableRewards 2% on purchases (1% when you buy + 1% as you pay); 5% total on Citi Travel hotels, cars, attractionsCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty interest rate (APR) up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, BofA Unlimited Cash Rewards or Citi Double Cash?

On VaultRubric's rubric: Citi Double Cash scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.