Should I get the Bank of America Customized Cash Rewards Credit Card or the My Best Buy® Visa® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America Customized Cash Rewards Credit Card or the My Best Buy® Visa® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America Customized Cash Rewards Credit Card or the My Best Buy® Visa® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bank of America Customized Cash Rewards Credit Card vs My Best Buy® Visa® Card

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the My Best Buy® Visa® Card wins on best buy purchases. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

My Best Buy® Visa® Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	My Best Buy® Visa® Card
Best Buy Purchases	1X	5X
Dining	3X	2X
Drugstores	3X	0.5X
Gas Stations	3X	0.5X
Home Improvement	3X	0.5X
Online Shopping	3X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+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% 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 Bank of America Customized Cash Rewards Credit Card wins in 10 of 11 categories. The My Best Buy® Visa® Card leads in 1.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 2X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or My Best Buy® Visa® Card?: The My Best Buy® Visa® Card has a higher base earn rate (0.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Customized Cash Rewards Credit Card or the My Best Buy® Visa® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

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Explore More

Bank of America Customized Cash Rewards Credit Card — Full Review All Bank of America Cards

My Best Buy® Visa® Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bank of America Customized Cash Rewards Credit Card vs My Best Buy® Visa® Card

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the My Best Buy® Visa® Card wins on best buy purchases. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

My Best Buy® Visa® Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	My Best Buy® Visa® Card
Best Buy Purchases	1X	5X
Dining	3X	2X
Drugstores	3X	0.5X
Gas Stations	3X	0.5X
Home Improvement	3X	0.5X
Online Shopping	3X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+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% 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 Bank of America Customized Cash Rewards Credit Card wins in 10 of 11 categories. The My Best Buy® Visa® Card leads in 1.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 2X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or My Best Buy® Visa® Card?: The My Best Buy® Visa® Card has a higher base earn rate (0.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Customized Cash Rewards Credit Card or the My Best Buy® Visa® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Bank of America Customized Cash Rewards Credit Card — Full Review All Bank of America Cards

My Best Buy® Visa® Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Citi cards

Bank of America Customized Cash Rewards Credit Card vs My Best Buy® Visa® Card

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the My Best Buy® Visa® Card wins on best buy purchases. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

My Best Buy® Visa® Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	My Best Buy® Visa® Card
Best Buy Purchases	1X	5X
Dining	3X	2X
Drugstores	3X	0.5X
Gas Stations	3X	0.5X
Home Improvement	3X	0.5X
Online Shopping	3X

Benefits & Features

Network

VISA

Key Benefits

None

Pros & Cons

Pros

+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% 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 Bank of America Customized Cash Rewards Credit Card wins in 10 of 11 categories. The My Best Buy® Visa® Card leads in 1.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 2X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 0.5X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or My Best Buy® Visa® Card?: The My Best Buy® Visa® Card has a higher base earn rate (0.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Customized Cash Rewards Credit Card or the My Best Buy® Visa® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Explore More

Bank of America Customized Cash Rewards Credit Card — Full Review All Bank of America Cards

My Best Buy® Visa® Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Citi cards

Bank of America Customized Cash Rewards Credit Card vs My Best Buy® Visa® Card

Bank of America Customized Cash Rewards Credit Card

My Best Buy® Visa® Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Bank of America Customized Cash Rewards Credit Card vs My Best Buy® Visa® Card

Bank of America Customized Cash Rewards Credit Card

My Best Buy® Visa® Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Bank of America Customized Cash Rewards Credit Card vs My Best Buy® Visa® Card

Bank of America Customized Cash Rewards Credit Card

My Best Buy® Visa® Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?