AllModern Mastercard vs Bank of America Customized Cash Rewards Credit Card
Both cards cost $0/yr. The AllModern Mastercard leads on grocery stores; the Bank of America Customized Cash Rewards Credit Card on dining.
Card data as of November 13, 2026.
AllModern MastercardCiti · No annual fee
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Overview
- Annual fee
- AllModern Mastercard$0Bank of America Customized Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- AllModern Mastercard$40 discountBank of America Customized Cash Rewards Credit Card$200 cash back
- Rewards
- AllModern MastercardAllModernBank of America Customized Cash Rewards Credit CardCash back
- Foreign transaction fee
- AllModern Mastercard3%Bank of America Customized Cash Rewards Credit Card3%
- Network
- AllModern MastercardMastercardBank of America Customized Cash Rewards Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card3%
- Dining
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card3%
- Drugstores
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card3%
- Electric Vehicle Charging
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card3%
- Gas Stations
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card3%
- Grocery Stores
- AllModern Mastercard3xBank of America Customized Cash Rewards Credit Card2%
- Home Improvement
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card3%
- Online Shopping
- AllModern Mastercard2xBank of America Customized Cash Rewards Credit Card3%
- Streaming
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card3%
- Telecom
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card3%
- Travel
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card3%
- Wholesale Clubs
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card2%
- Everything else
- AllModern Mastercard1xBank of America Customized Cash Rewards Credit Card1%
Statement creditsAs the issuer states them · — means none on record
- Other credits
- AllModern Mastercard
- $40 off your first order of $250+ · $40 one-time
Bank of America Customized Cash Rewards Credit Card- 0% APR 15 months
Perks & access— means none on record
- Other perks
- AllModern Mastercard
- 0% financing up to 24 months on orders $199+
- Free shipping on eligible AllModern orders
Bank of America Customized Cash Rewards Credit Card- No annual fee
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- AllModern Mastercard
- Zero Liability on unauthorized transactions
Bank of America Customized Cash Rewards Credit Card- Visa Signature purchase protection
- Other protections
- AllModern Mastercard
- 24/7 lost/stolen card assistance worldwide
Bank of America Customized Cash Rewards Credit Card—
Pros & cons
- Pros
- AllModern Mastercard—Bank of America Customized Cash Rewards Credit Card
- 6% cash back in choice category for first year (3% + 3% bonus)
- No annual fee
- $200 welcome bonus after $1,000 spend
- 0% intro APR for 15 months on purchases and balance transfers
- Flexible category selection - change monthly
- Cons
- AllModern Mastercard—Bank of America Customized Cash Rewards Credit Card
- 3% foreign transaction fee
- $2,500 quarterly cap on bonus categories (combined choice category + grocery)
- 6% rate drops to 3% after first year
- Requires monthly category management for optimal returns
Category-by-Category Winner
The AllModern Mastercard wins in 1 of 1 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 11 more categories depend on booking channel or caps.
Grocery Stores
AllModern Mastercard earns 3X vs 2X
Online Shopping
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 2X (2X without restrictions)
Dining
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Gas Stations
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Electric Vehicle Charging
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Home Improvement
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Cable TV
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Streaming
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Telecom
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Travel
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
The better card depends on how much you spend.
| Scenario | AllModern Mastercard | Bank of America Customized Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $156 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $156 Year one: $236 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | AllModern Mastercard | Bank of America Customized Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $624 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $624 Year one: $704 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | AllModern Mastercard | AllModern Mastercard |
Which Card Is Right for You?
Get the Bank of America Customized Cash Rewards Credit Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
The better card depends on how much you spend.
Frequently Asked Questions
- Which card earns more rewards, the AllModern Mastercard or Bank of America Customized Cash Rewards Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the AllModern Mastercard or the Bank of America Customized Cash Rewards Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.