Bank of America Customized Cash Rewards Credit Card vs Bank of America Unlimited Cash Rewards Credit Card
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Bank of America Unlimited Cash Rewards Credit Card on everyday spending.
Card data as of October 12, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Bank of America Unlimited Cash Rewards Credit CardBank of America · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Bank of America Unlimited Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backBank of America Unlimited Cash Rewards Credit Card$250 cash back
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backBank of America Unlimited Cash Rewards Credit CardCash back
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Bank of America Unlimited Cash Rewards Credit Card3%
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureBank of America Unlimited Cash Rewards Credit CardVisa Signature
Earn ratesPer $1 spent
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Dining
- Bank of America Customized Cash Rewards Credit Card3%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Travel
- Bank of America Customized Cash Rewards Credit Card3%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%HighestBank of America Unlimited Cash Rewards Credit Card1.5%
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Bank of America Unlimited Cash Rewards Credit Card1.5%Highest
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Bank of America Unlimited Cash Rewards Credit Card- 3% balance transfer fee
- 0% APR 15 months
Perks & access— means none on record
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Bank of America Unlimited Cash Rewards Credit Card- No annual fee
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Bank of America Unlimited Cash Rewards Credit Card—
Pros & cons
- Pros
- 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
Bank of America Unlimited Cash Rewards Credit Card- Unlimited 1.5% cash back on all purchases
- No annual fee
- $250 welcome bonus after $1,000 spend
- 0% intro APR for 15 months on purchases and balance transfers
- No category tracking required
- Cons
- 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
Bank of America Unlimited Cash Rewards Credit Card- 3% foreign transaction fee
- Flat 1.5% rate, no bonus categories
- Lower earning rate than category-specific cards in bonus areas
- No premium perks or travel benefits
Category-by-Category Winner
The Bank of America Unlimited Cash Rewards Credit Card 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.
Dining
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Gas Stations
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Home Improvement
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Online Shopping
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Cable TV
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Travel
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Grocery Stores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Everyday purchases
Bank of America Unlimited Cash Rewards Credit Card earns 1.5X on all other spending vs 1X
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.
Both scenarios favor the Bank of America Unlimited Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Customized Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $430 | Bank of America Unlimited Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $970 | Bank of America Unlimited Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
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
- +Do most of your spending at grocery stores
Get the Bank of America Unlimited Cash Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Bank of America Unlimited Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.5X on the Bank of America Unlimited Cash Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Bank of America Unlimited Cash Rewards Credit Card?
- The Bank of America Unlimited Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Bank of America Customized Cash Rewards Credit Card or the Bank of America Unlimited 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 October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.