Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Capital One Quicksilver Cash Rewards Credit Card?

The Capital One Quicksilver 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 Capital One Quicksilver 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.

Bank of America Customized Cash Rewards Credit Card vs Capital One Quicksilver Cash Rewards Credit Card

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Capital One Quicksilver Cash Rewards Credit Card on hotels.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Bank of America Customized Cash Rewards Credit Card Bank of America · No annual fee	Capital One Quicksilver Cash Rewards Credit Card Capital One · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$200 cash back	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	3%	None Lowest
Network	Visa Signature	Mastercard World Elite
Earn ratesPer $1 spent
Cable TV	3% Highest	1.5%
Dining	3% Highest	1.5%
Drugstores	3% Highest	1.5%
Electric Vehicle Charging	3% Highest	1.5%
Gas Stations	3% Highest	1.5%
Home Improvement	3% Highest	1.5%
Online Shopping	3% Highest	1.5%
Streaming	3% Highest	1.5%
Telecom	3% Highest	1.5%
Travel	3% Highest	1.5%
Grocery Stores	2% Highest	1.5%
Wholesale Clubs	2% Highest	1.5%
Everything else	1%	1.5% Highest
Statement creditsAs the issuer states them · — means none on record
Other credits	0% APR 15 months	—
Perks & access— means none on record
Other perks	No annual fee	No Foreign Transaction Fees 24/7 Travel Assistance Services Worldwide Capital One Dining Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Travel Accident Insurance Up to $1,000,000
Purchase & returns	Visa Signature purchase protection	—
Extended warranty	—	Extended Warranty Doubles Coverage, Up to 24 Months
Other protections	—	Free Credit Monitoring with CreditWise
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 keeps costs at zero Unlimited 1.5% cash back on all purchases with no caps or rotating categories No foreign transaction fees saves 3% on international purchases 5% back on hotels, vacation rentals and rental cars booked through Capital One Travel Low $500 spend requirement for welcome bonus is easy to meet
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	1.5% flat rate is lower than category-specific cards offer in their bonus categories No transfer partners for airline or hotel loyalty programs Lacks premium travel protections like trip delay or primary rental car insurance Welcome bonus amount is modest compared to premium travel cards No bonus categories for everyday spending like dining or groceries
	Card details	Card details

Bank of America Customized Cash Rewards Credit Card
Bank of America · No annual fee
Capital One Quicksilver Cash Rewards Credit Card
Capital One · No annual fee

Overview

Annual fee: Bank of America Customized Cash Rewards Credit Card
$0
Capital One Quicksilver Cash Rewards Credit Card
$0
Welcome offerCurrent public offer: Bank of America Customized Cash Rewards Credit Card
$200 cash back
Capital One Quicksilver Cash Rewards Credit Card
$200 cash back
Rewards: Bank of America Customized Cash Rewards Credit Card
Cash back
Capital One Quicksilver Cash Rewards Credit Card
Cash back
Foreign transaction fee: Bank of America Customized Cash Rewards Credit Card
3%
Capital One Quicksilver Cash Rewards Credit Card
None
Lowest
Network: Bank of America Customized Cash Rewards Credit Card
Visa Signature
Capital One Quicksilver Cash Rewards Credit Card
Mastercard World Elite

Earn ratesPer $1 spent

Cable TV: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Dining: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Drugstores: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Electric Vehicle Charging: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Gas Stations: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Home Improvement: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Online Shopping: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Streaming: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Telecom: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Travel: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Grocery Stores: Bank of America Customized Cash Rewards Credit Card
2%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Wholesale Clubs: Bank of America Customized Cash Rewards Credit Card
2%
Highest
Capital One Quicksilver Cash Rewards Credit Card
1.5%
Everything else: Bank of America Customized Cash Rewards Credit Card
1%
Capital One Quicksilver Cash Rewards Credit Card
1.5%
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
Capital One Quicksilver Cash Rewards Credit Card
—

Perks & access— means none on record

Other perks: Bank of America Customized Cash Rewards Credit Card
No annual fee
Capital One Quicksilver Cash Rewards Credit Card
No Foreign Transaction Fees
24/7 Travel Assistance Services Worldwide
Capital One Dining
Complimentary Concierge Service

Protections & insuranceLimits where published · — means none on record

Trip insurance: Bank of America Customized Cash Rewards Credit Card
—
Capital One Quicksilver Cash Rewards Credit Card
Travel Accident Insurance Up to $1,000,000
Purchase & returns: Bank of America Customized Cash Rewards Credit Card
Visa Signature purchase protection
Capital One Quicksilver Cash Rewards Credit Card
—
Extended warranty: Bank of America Customized Cash Rewards Credit Card
—
Capital One Quicksilver Cash Rewards Credit Card
Extended Warranty Doubles Coverage, Up to 24 Months
Other protections: Bank of America Customized Cash Rewards Credit Card
—
Capital One Quicksilver Cash Rewards Credit Card
Free Credit Monitoring with CreditWise

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
Capital One Quicksilver Cash Rewards Credit Card
No annual fee keeps costs at zero
Unlimited 1.5% cash back on all purchases with no caps or rotating categories
No foreign transaction fees saves 3% on international purchases
5% back on hotels, vacation rentals and rental cars booked through Capital One Travel
Low $500 spend requirement for welcome bonus is easy to meet
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
Capital One Quicksilver Cash Rewards Credit Card
1.5% flat rate is lower than category-specific cards offer in their bonus categories
No transfer partners for airline or hotel loyalty programs
Lacks premium travel protections like trip delay or primary rental car insurance
Welcome bonus amount is modest compared to premium travel cards
No bonus categories for everyday spending like dining or groceries

Card details

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Expert Analysis

The Bank of America Customized Cash Rewards Credit Card and Capital One Quicksilver 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 Bank of America Customized Cash Rewards Credit Card's strongest category is Dining at 3X, while the Capital One Quicksilver Cash Rewards Credit Card leads with 5X on Entertainment. Overall, the Bank of America Customized Cash Rewards Credit Card wins in more bonus categories (10 vs 1) — 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

Bank of America Customized Cash Rewards Credit Card earns 3X on Dining vs 1.5X for the other
Bank of America Customized Cash Rewards Credit Card earns 3X on Drugstores vs 1.5X for the other
Bank of America Customized Cash Rewards Credit Card earns 3X on Gas Stations vs 1.5X for the other
Capital One Quicksilver Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X on non-bonus spending)
Different networks: Bank of America Customized Cash Rewards Credit Card is VISA, Capital One Quicksilver Cash Rewards Credit Card is MASTERCARD

Spending Scenarios

Which card wins in real-world spending situations?

$400/month on dining

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X. Over a year, that's 14,400 vs 7,200 points — a 7,200-point advantage.

$80/month on drugstores

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X. Over a year, that's 2,880 vs 1,440 points — a 1,440-point advantage.

$100/month on entertainment

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card earns 5X vs 1X. Over a year, that's 6,000 vs 1,200 points — a 4,800-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 dining and drugstores. At $0/yr, it delivers strong no-fee value for its target audience.

Get the Capital One Quicksilver Cash Rewards Credit Card if:

The Capital One Quicksilver Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on entertainment and earning more on everyday purchases. 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 Capital One Quicksilver Cash Rewards Credit Card wins in 4 of 4 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