Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Bilt Blue Card?

The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Bilt Blue Card?

The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Bilt Blue Card?

The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

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 is better for dining, while the Bilt Blue Card wins on rent and dining. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Bilt Blue Card

Cardless

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Bilt Blue Card
Dining	3X	3X
Drugstores	3X	1X
Gas Stations	3X	1X
Home Improvement	3X	1X
Lyft	1X	3X
Online Shopping	3X	1X

Benefits & Features

Network

VISA

MASTERCARD

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

+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 23 airline and hotel partners (valued at 2.2 cents each by TPG)

Cons

−3% foreign transaction fee
−$2,500 quarterly cap on bonus categories (combined choice category + grocery)

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 9 of 12 categories. The Bilt Blue Card leads in 3.

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Bilt Blue Card?: The Bilt Blue Card has a higher base earn rate (1X 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 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

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Bilt Blue Amex Gold vs Bank Of America Customized Cash Bank Of America Customized Cash vs Capital One Quicksilver

Explore More

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

Bilt Blue Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Cardless 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 Bilt Blue Card

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the Bilt Blue Card wins on rent and dining. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Bilt Blue Card

Cardless

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Bilt Blue Card
Dining	3X	3X
Drugstores	3X	1X
Gas Stations	3X	1X
Home Improvement	3X	1X
Lyft	1X	3X
Online Shopping	3X	1X

Benefits & Features

Network

VISA

MASTERCARD

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

+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 23 airline and hotel partners (valued at 2.2 cents each by TPG)

Cons

−3% foreign transaction fee
−$2,500 quarterly cap on bonus categories (combined choice category + grocery)

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 9 of 12 categories. The Bilt Blue Card leads in 3.

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Bilt Blue Card?: The Bilt Blue Card has a higher base earn rate (1X 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 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

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Bilt Blue Amex Gold vs Bank Of America Customized Cash Bank Of America Customized Cash vs Capital One Quicksilver

Explore More

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

Bilt Blue Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Cardless cards

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 is better for dining, while the Bilt Blue Card wins on rent and dining. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Bilt Blue Card

Cardless

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Bilt Blue Card
Dining	3X	3X
Drugstores	3X	1X
Gas Stations	3X	1X
Home Improvement	3X	1X
Lyft	1X	3X
Online Shopping	3X	1X

Benefits & Features

Network

VISA

MASTERCARD

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

+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 23 airline and hotel partners (valued at 2.2 cents each by TPG)

Cons

−3% foreign transaction fee
−$2,500 quarterly cap on bonus categories (combined choice category + grocery)

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 9 of 12 categories. The Bilt Blue Card leads in 3.

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Bilt Blue Card?: The Bilt Blue Card has a higher base earn rate (1X 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 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

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Bilt Blue Amex Gold vs Bank Of America Customized Cash Bank Of America Customized Cash vs Capital One Quicksilver

Explore More

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

Bilt Blue Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Cardless cards

Bank of America Customized Cash Rewards Credit Card vs Bilt Blue Card

Bank of America Customized Cash Rewards Credit Card

Bilt Blue 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 Bilt Blue Card

Bank of America Customized Cash Rewards Credit Card

Bilt Blue 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 Bilt Blue Card

Bank of America Customized Cash Rewards Credit Card

Bilt Blue 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?