Prime Visa vs Bank of America Customized Cash Rewards Credit Card
Both cards cost $0/yr. The Prime Visa leads on gas stations; the Bank of America Customized Cash Rewards Credit Card on dining.
Card data as of October 12, 2026.
Prime VisaChase · No annual fee
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Overview
- Annual fee
- Prime Visa$0Bank of America Customized Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Prime Visa$150 gift cardBank of America Customized Cash Rewards Credit Card$200 cash back
- Rewards
- Prime VisaCash backBank of America Customized Cash Rewards Credit CardCash back
- Foreign transaction fee
- Prime VisaNoneLowestBank of America Customized Cash Rewards Credit Card3%
- Network
- Prime VisaVisa SignatureBank of America Customized Cash Rewards Credit CardVisa Signature
Earn ratesPer $1 spent
- Cable TV
- Prime Visa1%Bank of America Customized Cash Rewards Credit Card3%Highest
- Dining
- Prime Visa2%Bank of America Customized Cash Rewards Credit Card3%Highest
- Drugstores
- Prime Visa1%Bank of America Customized Cash Rewards Credit Card3%Highest
- Gas Stations
- Prime Visa2%Bank of America Customized Cash Rewards Credit Card3%Highest
- Home Improvement
- Prime Visa1%Bank of America Customized Cash Rewards Credit Card3%Highest
- Online Shopping
- Prime Visa1%Bank of America Customized Cash Rewards Credit Card3%Highest
- Travel
- Prime Visa1%Bank of America Customized Cash Rewards Credit Card3%Highest
- Grocery Stores
- Prime Visa1%Bank of America Customized Cash Rewards Credit Card2%Highest
- Transit
- Prime Visa2%HighestBank of America Customized Cash Rewards Credit Card1%
- Wholesale Clubs
- Prime Visa1%Bank of America Customized Cash Rewards Credit Card2%Highest
- Everything else
- Prime Visa1%Bank of America Customized Cash Rewards Credit Card1%
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Prime Visa—Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Perks & access— means none on record
- Other perks
- Prime Visa—Bank of America Customized Cash Rewards Credit Card
- No annual fee
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Prime Visa
- Up to $500,000 travel accident coverage
Bank of America Customized Cash Rewards Credit Card— - Purchase & returns
- Prime Visa
- $500 per claim on damage or theft
Bank of America Customized Cash Rewards Credit Card- Visa Signature purchase protection
Pros & cons
- Pros
- Prime Visa
- 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership
- 5% back on Chase Travel portal bookings with no cap
- 2% back at restaurants, gas stations, and transit - solid everyday categories
- $150 Amazon Gift Card welcome bonus with no minimum spend required
- No annual fee on the card itself (Prime membership separate)
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
- Prime Visa
- Requires an eligible Amazon Prime membership to earn 5% (3% without Prime)
- Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
- Only 1% back on non-category purchases - below average for catch-all spending
- No premium travel protections like trip delay insurance or lounge access
- Sign-up bonus is gift card, not flexible cash or points
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 Prime Visa wins in 1 of 1 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 9 more categories depend on booking channel or caps.
Gas Stations
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Prime Visa earns 2X (2X without restrictions)
Transit
Prime Visa earns 2X vs 1X
Dining
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Prime Visa earns 2X (2X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Prime Visa 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; Prime Visa earns 1X (1X without restrictions)
Online Shopping
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Prime Visa 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; Prime Visa 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; Prime Visa earns 1X (1X without restrictions)
Grocery Stores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Prime Visa 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; Prime Visa 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 | Prime Visa | Bank of America Customized Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Prime Visa | Bank of America Customized Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Prime Visa | Prime Visa |
Which Card Is Right for You?
Get the Bank of America Customized Cash Rewards Credit Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
The better card depends on how much you spend.
Frequently Asked Questions
- Which card earns more rewards, the Prime Visa 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 Prime Visa 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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.