Which card earns more rewards, the Blue Cash Everyday Card from American Express 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 Blue Cash Everyday Card from American Express 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.

Blue Cash Everyday Card from American Express vs Bank of America Customized Cash Rewards Credit Card

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express leads on gas stations; the Bank of America Customized Cash Rewards Credit Card on dining.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Blue Cash Everyday Card from American Express American Express · No annual fee	Bank of America Customized Cash Rewards Credit Card Bank of America · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$200 cash back	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	2.7% Lowest	3%
Network	American Express	Visa Signature
Earn ratesPer $1 spent
Cable TV	1%	3% Highest
Dining	1%	3% Highest
Drugstores	1%	3% Highest
Electric Vehicle Charging	1%	3% Highest
Gas Stations	3%	3%
Grocery Stores	3% Highest	2%
Home Improvement	1%	3% Highest
Online Shopping	3%	3%
Streaming	1%	3% Highest
Telecom	1%	3% Highest
Travel	1%	3% Highest
Department Stores	2% Highest	1%
Wholesale Clubs	1%	2% Highest
Everything else	1%	1%
Statement creditsAs the issuer states them · — means none on record
Entertainment & streaming	$7/mo Disney+ · $7 monthly	—
Other credits	—	0% APR 15 months
Perks & access— means none on record
Other perks	Amex Offers Early access to concerts and events 24/7 global travel assistance	No annual fee
Protections & insuranceLimits where published · — means none on record
Rental car	Car Rental Loss and Damage Insurance	—
Purchase & returns	Up to $1,000 per item against damage or theft	Visa Signature purchase protection
Other protections	Zero liability protection on fraudulent charges	—
Pros & cons
Pros	No annual fee with solid category rewards 3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value) Up to $84/year Disney Bundle credit for streaming subscriptions 0% intro APR for 15 months on purchases (3 months longer than Preferred) As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)	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	3% grocery rate is half of Blue Cash Preferred's 6% 2.7% foreign transaction fee makes it unsuitable for travel 3% rates on gas and online retail are capped at $6,000/year each 1% back on non-category purchases is below average $6,000 annual cap on grocery bonus limits heavy spenders	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
	Card details	Card details

Blue Cash Everyday Card from American Express
American Express · No annual fee
Bank of America Customized Cash Rewards Credit Card
Bank of America · No annual fee

Overview

Annual fee: Blue Cash Everyday Card from American Express
$0
Bank of America Customized Cash Rewards Credit Card
$0
Welcome offerCurrent public offer: Blue Cash Everyday Card from American Express
$200 cash back
Bank of America Customized Cash Rewards Credit Card
$200 cash back
Rewards: Blue Cash Everyday Card from American Express
Cash back
Bank of America Customized Cash Rewards Credit Card
Cash back
Foreign transaction fee: Blue Cash Everyday Card from American Express
2.7%
Lowest
Bank of America Customized Cash Rewards Credit Card
3%
Network: Blue Cash Everyday Card from American Express
American Express
Bank of America Customized Cash Rewards Credit Card
Visa Signature

Earn ratesPer $1 spent

Cable TV: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
3%
Highest
Dining: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
3%
Highest
Drugstores: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
3%
Highest
Electric Vehicle Charging: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
3%
Highest
Gas Stations: Blue Cash Everyday Card from American Express
3%
Bank of America Customized Cash Rewards Credit Card
3%
Grocery Stores: Blue Cash Everyday Card from American Express
3%
Highest
Bank of America Customized Cash Rewards Credit Card
2%
Home Improvement: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
3%
Highest
Online Shopping: Blue Cash Everyday Card from American Express
3%
Bank of America Customized Cash Rewards Credit Card
3%
Streaming: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
3%
Highest
Telecom: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
3%
Highest
Travel: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
3%
Highest
Department Stores: Blue Cash Everyday Card from American Express
2%
Highest
Bank of America Customized Cash Rewards Credit Card
1%
Wholesale Clubs: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
2%
Highest
Everything else: Blue Cash Everyday Card from American Express
1%
Bank of America Customized Cash Rewards Credit Card
1%

Statement creditsAs the issuer states them · — means none on record

Entertainment & streaming: Blue Cash Everyday Card from American Express
$7/mo Disney+ · $7 monthly
Bank of America Customized Cash Rewards Credit Card
—
Other credits: Blue Cash Everyday Card from American Express
—
Bank of America Customized Cash Rewards Credit Card
0% APR 15 months

Perks & access— means none on record

Other perks: Blue Cash Everyday Card from American Express
Amex Offers
Early access to concerts and events
24/7 global travel assistance
Bank of America Customized Cash Rewards Credit Card
No annual fee

Protections & insuranceLimits where published · — means none on record

Rental car: Blue Cash Everyday Card from American Express
Car Rental Loss and Damage Insurance
Bank of America Customized Cash Rewards Credit Card
—
Purchase & returns: Blue Cash Everyday Card from American Express
Up to $1,000 per item against damage or theft
Bank of America Customized Cash Rewards Credit Card
Visa Signature purchase protection
Other protections: Blue Cash Everyday Card from American Express
Zero liability protection on fraudulent charges
Bank of America Customized Cash Rewards Credit Card
—

Pros & cons

Pros: Blue Cash Everyday Card from American Express
No annual fee with solid category rewards
3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
Up to $84/year Disney Bundle credit for streaming subscriptions
0% intro APR for 15 months on purchases (3 months longer than Preferred)
As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)
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: Blue Cash Everyday Card from American Express
3% grocery rate is half of Blue Cash Preferred's 6%
2.7% foreign transaction fee makes it unsuitable for travel
3% rates on gas and online retail are capped at $6,000/year each
1% back on non-category purchases is below average
$6,000 annual cap on grocery bonus limits heavy spenders
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

Card details

Add a 3rd or 4th card to this comparison →

Expert Analysis

The Blue Cash Everyday Card from American Express and Bank of America Customized Cash Rewards Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.

The Blue Cash Everyday Card from American Express's strongest category is Grocery Stores at 3X, while the Bank of America Customized Cash Rewards Credit Card leads with 3X on Dining. Overall, the Bank of America Customized Cash Rewards Credit Card wins in more bonus categories (8 vs 2) — so the better choice depends on where you spend the most.

Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.

Key Differences

Blue Cash Everyday Card from American Express earns 3X on Grocery Stores vs 2X for the other
Blue Cash Everyday Card from American Express earns 2X on Department Stores vs 1X for the other
Bank of America Customized Cash Rewards Credit Card earns 3X on Gas Stations vs 2X for the other
Different networks: Blue Cash Everyday Card from American Express is AMEX, Bank of America Customized Cash Rewards Credit Card is VISA

Spending Scenarios

Which card wins in real-world spending situations?

$600/month on grocery stores

Blue Cash Everyday Card from American Express

Blue Cash Everyday Card from American Express earns 3X vs 2X. Over a year, that's 21,600 vs 14,400 points — a 7,200-point advantage.

$200/month on department stores

Blue Cash Everyday Card from American Express

Blue Cash Everyday Card from American Express earns 2X vs 1X. Over a year, that's 4,800 vs 2,400 points — a 2,400-point advantage.

$150/month on gas stations

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 2X. Over a year, that's 5,400 vs 3,600 points — a 1,800-point advantage.

$400/month on dining

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X. Over a year, that's 14,400 vs 4,800 points — a 9,600-point advantage.

Who Should Get Which?

Get the Blue Cash Everyday Card from American Express if:

The Blue Cash Everyday Card from American Express is ideal for cardholders who prioritize spending heavily on grocery stores and department stores. At $0/yr, it delivers strong no-fee value for its target audience.

Get the Bank of America Customized Cash Rewards Credit Card if:

The Bank of America Customized Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on gas stations and dining. At $0/yr, it delivers strong no-fee value for its target audience.

Upgrade & Downgrade Path

These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.

Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.

Category-by-Category Winner

The Blue Cash Everyday Card from American Express wins in 1 of 1 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 10 more categories depend on booking channel or caps.

Department Stores

Blue Cash Everyday Card from American Express earns 2X vs 1X

Grocery Stores

Depends: up to $6,000/yr

Blue Cash Everyday Card from American Express earns 3X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 2X (1X without restrictions)

Dining

Depends: up to $2,500/quarter