Bank of America Customized Cash Rewards Credit Card vs Bilt Blue Card
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Bilt Blue Card on rent and dining.
Card data as of November 13, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Bilt Blue CardCardless · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Bilt Blue Card$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backBilt Blue Card$100 in rewards
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backBilt Blue CardBilt Points
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue CardNoneLowest
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureBilt Blue CardMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Dining
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Electric Vehicle Charging
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Streaming
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Telecom
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Travel
- Bank of America Customized Cash Rewards Credit Card3%Bilt Blue Card1x
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%Bilt Blue Card1x
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%Bilt Blue Card1x
- Mortgage
- Bank of America Customized Cash Rewards Credit Card1%Bilt Blue Card1.25x
- Rent
- Bank of America Customized Cash Rewards Credit Card1%Bilt Blue Card1.25x
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Bilt Blue Card1x
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Bilt Blue Card—
Perks & access— means none on record
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Bilt Blue Card- No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Rental car
- Bank of America Customized Cash Rewards Credit Card—Bilt Blue Card
- Secondary rental car collision damage waiver
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Bilt Blue Card- $1,000 purchase protection per item for 90 days
- Cell phone
- Bank of America Customized Cash Rewards Credit Card—Bilt Blue Card
- Up to $800 cell phone protection per claim
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
Bilt Blue Card- No annual fee
- Earn up to 1.25X points on rent and mortgage with no transaction fees
- 4% Bilt Cash on all non-housing spend (stackable with 1X points)
- $100 Bilt Cash welcome bonus with no spending requirement
- Transferable points to 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
- 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
Bilt Blue Card- Only 1X points on non-housing purchases (below average for flat-rate cards)
- Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
- Most Bilt Cash expires at year-end (only $100 rolls over)
- No bonus categories like dining or travel (those are Obsidian features)
- Fewer card-specific protections than Obsidian or Palladium
Expert Analysis
The Bilt Blue Card 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 Bilt Blue Card's strongest category is Lyft 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 (9 vs 3) — 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
- Bilt Blue Card earns 3X on Lyft vs 1X for the other
- Bilt Blue Card earns 1.25X on Rent vs 1X for the other
- Bilt Blue Card earns 1.25X on Mortgage vs 1X for the other
- Different networks: Bilt Blue Card is MASTERCARD, Bank of America Customized Cash Rewards Credit Card is VISA
Spending Scenarios
Which card wins in real-world spending situations?
$200/month on lyft
Bilt Blue CardBilt Blue Card earns 3X vs 1X. Over a year, that's 7,200 vs 2,400 points — a 4,800-point advantage.
$200/month on rent
Bilt Blue CardBilt Blue Card earns 1.25X vs 1X. Over a year, that's 3,000 vs 2,400 points — a 600-point advantage.
$80/month on drugstores
Bank of America Customized Cash Rewards Credit CardBank of America Customized Cash Rewards Credit Card earns 3X vs 1X. Over a year, that's 2,880 vs 960 points — a 1,920-point advantage.
$150/month on gas stations
Bank of America Customized Cash Rewards Credit CardBank of America Customized Cash Rewards Credit Card earns 3X vs 1X. Over a year, that's 5,400 vs 1,800 points — a 3,600-point advantage.
Who Should Get Which?
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 drugstores and gas stations. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Bilt Blue Card if:
The Bilt Blue Card is ideal for cardholders who prioritize spending heavily on lyft and rent. 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 Bilt Blue Card wins in 2 of 2 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 12 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card 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; Bilt Blue Card earns 1X (1X without restrictions)
Rent
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Mortgage
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
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 Bilt Blue Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Customized Cash Rewards Credit Card | Bilt Blue 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: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $340 | Bilt Blue Card | Bilt Blue Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,060 | Bilt Blue Card | Bilt Blue 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
The Bottom Line
Both scenarios favor the Bilt Blue Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Bilt Blue Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Bank of America Customized Cash Rewards Credit Card have that the Bilt Blue Card doesn't?
- The Bank of America Customized Cash Rewards Credit Card focuses on earn rates, while the Bilt Blue Card offers cell phone protection.
- Should I get the Bank of America Customized Cash Rewards Credit Card or the Bilt Blue 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
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.