Customized Cash Rewards vs Double Cash: Which Is Actually Worth It?
Category concentration vs diversification: choose based on where your actual dollars go.
Customized Cash Rewards
Earns 3% cashback on one category of your choice, but that's about it.
Double Cash
Two percent on everything. No categories, no calendar, no annual fee.
Side-by-side specs
| Customized Cash Rewards | Double Cash | |
|---|---|---|
| Annual fee | $0 | $0 |
| Signup bonus | $200 after $1,000 in 90 days | $200 cash back after $1,500 in 6 months |
| APR range | 18.24–28.24% Variable | 19.24-29.24% Variable |
| Foreign tx fee | 3% | 3% |
| Credit target | good to excellent | good to excellent |
Customized Cash Rewards earn rates
Double Cash earn rates
The verdict
Your top spending category hits 3%+ - customized cash outpaces flat 2% if you spend $500+/month in your chosen category.
Apply at Bank of America →Your spending is spread across many categories with no single dominant one - flat 2% wins on average.
Apply at Citi →Track what both cards actually earn you, WalletHub Premium syncs all your cards and monitors your credit daily.
Customized Cash Rewards annual fee $0, APR 18.24–28.24% Variable, signup offer $200 after $1,000 in 90 days, terms as of 2026-05-06. Double Cash annual fee $0, APR 19.24-29.24% Variable, signup offer $200 cash back after $1,500 in 6 months, terms as of 2026-05-03. Verify current terms on the issuer's site before applying. We earn a referral fee on approved applications referred via Apply links, at no cost to you.