Bank of America® Unlimited Cash Rewards Credit Card
Cash back
Bank of America® Unlimited Cash Rewards Credit Card
Bank of America - Visa - Credit card
4.6
4.6 out of 5
9.2/10
Apply now
Head-to-head
Bank of America® Unlimited Cash Rewards Credit Card vs Citi Strata Premier® Card
Compare Bank of America® Unlimited Cash Rewards Credit Card and Citi Strata Premier® Card side by side: fees, rewards, APR, and perks.
Last verified
Citi Strata Premier® Card
Points
Citi Strata Premier® Card
Citi - Mastercard - Credit card
4.6
4.6 out of 5
9.2/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Bank of America® Unlimited Cash Rewards Credit Card | Citi Strata Premier® Card |
|---|---|---|
| Card fee | No fee | $95 USD/yr |
| Purchase APR (from) | 17.49% | 19.49% |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 0% |
| Rewards | Unlimited 1.5% cash back on all purchases with no category restrictions and no quarterly caps. Preferred Rewards members earn 10–75% more, reaching up to 2.62% on every purchase at the top Preferred Rewards tier. | 10X ThankYou Points on hotels and car rentals via Citi Travel; 3X on air travel, dining, groceries, and gas/EV charging; 1X on all other purchases. |
| Installments | Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans | Citi Flex Pay available |
| No card fee | - | |
| No foreign transaction fee | - | |
| Welcome bonus | ||
| Airport lounge access | - | - |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Bank of America® Unlimited Cash Rewards Credit Card if its checked rows above line up with how you spend most.
- Choose the Citi Strata Premier® Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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