Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the Capital One Savor Cash Rewards Credit Card wins on capital one entertainment. Here's how they compare.

Bank of America

Capital One
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Dining | 3X | 4X |
The Bank of America Customized Cash Rewards Credit Card wins in 7 of 10 categories. The Capital One Savor Cash Rewards Credit Card leads in 3.
Dining
Capital One Savor Cash Rewards Credit Card earns 4X vs 3X
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
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
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
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.
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the Capital One Savor Cash Rewards Credit Card wins on capital one entertainment. Here's how they compare.

Bank of America

Capital One
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Dining | 3X | 4X |
The Bank of America Customized Cash Rewards Credit Card wins in 7 of 10 categories. The Capital One Savor Cash Rewards Credit Card leads in 3.
Dining
Capital One Savor Cash Rewards Credit Card earns 4X vs 3X
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
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
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
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.
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the Capital One Savor Cash Rewards Credit Card wins on capital one entertainment. Here's how they compare.

Bank of America

Capital One
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Dining | 3X | 4X |
The Bank of America Customized Cash Rewards Credit Card wins in 7 of 10 categories. The Capital One Savor Cash Rewards Credit Card leads in 3.
Dining
Capital One Savor Cash Rewards Credit Card earns 4X vs 3X
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
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
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
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.
| Entertainment | 1X | 4X |
| Drugstores | 3X | 1X |
| Gas Stations | 3X | 1X |
| Grocery Stores | 2X | 3X |
| Home Improvement | 3X | 1X |
| Online Shopping | 3X | 1X |
| Streaming | 3X | 3X |
| Telecom | 3X | 1X |
| Travel | 3X | 1X |
| Wholesale Clubs | 2X | 1X |
Network
Key Benefits
Pros
Cons
Wholesale Clubs
Bank of America Customized Cash Rewards Credit Card earns 2X vs 1X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 4X vs 1X
| Entertainment | 1X | 4X |
| Drugstores | 3X | 1X |
| Gas Stations | 3X | 1X |
| Grocery Stores | 2X | 3X |
| Home Improvement | 3X | 1X |
| Online Shopping | 3X | 1X |
| Streaming | 3X | 3X |
| Telecom | 3X | 1X |
| Travel | 3X | 1X |
| Wholesale Clubs | 2X | 1X |
Network
Key Benefits
Pros
Cons
Wholesale Clubs
Bank of America Customized Cash Rewards Credit Card earns 2X vs 1X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 4X vs 1X
| Entertainment | 1X | 4X |
| Drugstores | 3X | 1X |
| Gas Stations | 3X | 1X |
| Grocery Stores | 2X | 3X |
| Home Improvement | 3X | 1X |
| Online Shopping | 3X | 1X |
| Streaming | 3X | 3X |
| Telecom | 3X | 1X |
| Travel | 3X | 1X |
| Wholesale Clubs | 2X | 1X |
Network
Key Benefits
Pros
Cons
Wholesale Clubs
Bank of America Customized Cash Rewards Credit Card earns 2X vs 1X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 4X vs 1X