Bank of America Customized Cash Rewards Credit Card vs Birch Lane Mastercard
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Birch Lane Mastercard on grocery stores.
Card data as of October 12, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Birch Lane MastercardCiti · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Birch Lane Mastercard$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backBirch Lane Mastercard$40 discount
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backBirch Lane MastercardWayfair Rewards
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Birch Lane Mastercard3%
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureBirch Lane MastercardMastercard
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%Birch Lane Mastercard1x
- Dining
- Bank of America Customized Cash Rewards Credit Card3%Birch Lane Mastercard1x
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%Birch Lane Mastercard1x
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%Birch Lane Mastercard1x
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%Birch Lane Mastercard3x
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%Birch Lane Mastercard1x
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%Birch Lane Mastercard2x
- Travel
- Bank of America Customized Cash Rewards Credit Card3%Birch Lane Mastercard1x
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%Birch Lane Mastercard1x
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Birch Lane Mastercard1x
Statement creditsAs the issuer states them · — means none on record
- Shopping & wellness
- Bank of America Customized Cash Rewards Credit Card—Birch Lane Mastercard
- $40 off your first qualifying order of $250+ · $40 one-time
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Birch Lane Mastercard—
Perks & access— means none on record
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Birch Lane Mastercard- 0% financing up to 24 months on orders $199+
- Free shipping on eligible Birch Lane orders
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Birch Lane Mastercard- Zero Liability on unauthorized transactions
- Other protections
- Bank of America Customized Cash Rewards Credit Card—Birch Lane Mastercard
- 24/7 lost/stolen card assistance worldwide
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
Birch Lane Mastercard— - 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
Birch Lane Mastercard—
Category-by-Category Winner
The Birch Lane Mastercard wins in 1 of 1 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 8 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; Birch Lane Mastercard 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; Birch Lane Mastercard 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; Birch Lane Mastercard 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; Birch Lane Mastercard 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; Birch Lane Mastercard earns 2X (2X without restrictions)
Cable TV
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Birch Lane Mastercard 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; Birch Lane Mastercard earns 1X (1X without restrictions)
Grocery Stores
Birch Lane Mastercard earns 3X vs 2X
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Birch Lane Mastercard earns 1X (1X without restrictions)
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.
The better card depends on how much you spend.
| Scenario | Bank of America Customized Cash Rewards Credit Card | Birch Lane Mastercard | 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: $156 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $156 Year one: $232 | Birch Lane Mastercard | Bank of America Customized 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: $624 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $624 Year one: $700 | Birch Lane Mastercard | Birch Lane Mastercard |
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
The Bottom Line
The better card depends on how much you spend.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Birch Lane Mastercard?
- 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 Bank of America Customized Cash Rewards Credit Card or the Birch Lane Mastercard?
- 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.