Bank of America Customized Cash Rewards Credit Card vs Capital One Savor Cash Rewards Credit Card
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Capital One Savor Cash Rewards Credit Card on dining.
Card data as of November 13, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Capital One Savor Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backCapital One Savor Cash Rewards Credit Card$200 cash back
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backCapital One Savor Cash Rewards Credit CardCash back
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Capital One Savor Cash Rewards Credit CardNoneLowest
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureCapital One Savor Cash Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%HighestCapital One Savor Cash Rewards Credit Card1%
- Dining
- Bank of America Customized Cash Rewards Credit Card3%Capital One Savor Cash Rewards Credit Card3%
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%HighestCapital One Savor Cash Rewards Credit Card1%
- Electric Vehicle Charging
- Bank of America Customized Cash Rewards Credit Card3%HighestCapital One Savor Cash Rewards Credit Card1%
- Entertainment
- Bank of America Customized Cash Rewards Credit Card1%Capital One Savor Cash Rewards Credit Card3%Highest
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%HighestCapital One Savor Cash Rewards Credit Card1%
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%Capital One Savor Cash Rewards Credit Card3%Highest
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%HighestCapital One Savor Cash Rewards Credit Card1%
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%HighestCapital One Savor Cash Rewards Credit Card1%
- Streaming
- Bank of America Customized Cash Rewards Credit Card3%Capital One Savor Cash Rewards Credit Card3%
- Telecom
- Bank of America Customized Cash Rewards Credit Card3%HighestCapital One Savor Cash Rewards Credit Card1%
- Travel
- Bank of America Customized Cash Rewards Credit Card3%HighestCapital One Savor Cash Rewards Credit Card1%
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%HighestCapital One Savor Cash Rewards Credit Card1%
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Capital One Savor Cash Rewards Credit Card1%
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 Savor 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 Savor Cash Rewards Credit Card- 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 Savor Cash Rewards Credit Card
- Travel accident insurance
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Capital One Savor Cash Rewards Credit Card— - Extended warranty
- Bank of America Customized Cash Rewards Credit Card—Capital One Savor Cash Rewards Credit Card
- Extended warranty
- Other protections
- Bank of America Customized Cash Rewards Credit Card—Capital One Savor Cash Rewards Credit Card
- Credit monitoring
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 Savor Cash Rewards Credit Card- No annual fee for a card with 3% back on dining and entertainment
- 3% cash back at restaurants on a card with no annual fee
- 3% on entertainment covers streaming, concerts, movies, and more
- 3% at grocery stores provides solid everyday value
- 8% back on Capital One Entertainment purchases is exceptional
- 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 Savor Cash Rewards Credit Card- Only 1% cash back on purchases outside bonus categories
- No travel-specific benefits like lounge access or trip insurance
- Cash back only - no transfer partners for travel redemptions
- Grocery bonus typically excludes warehouse clubs like Costco
Expert Analysis
The Bank of America Customized Cash Rewards Credit Card and Capital One Savor 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 Savor Cash Rewards Credit Card leads with 4X on Dining. Overall, the Bank of America Customized Cash Rewards Credit Card wins in more bonus categories (7 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
- Bank of America Customized Cash Rewards Credit Card earns 3X on Drugstores vs 1X for the other
- Bank of America Customized Cash Rewards Credit Card earns 3X on Gas Stations vs 1X for the other
- Bank of America Customized Cash Rewards Credit Card earns 3X on Home Improvement vs 1X for the other
- Different networks: Bank of America Customized Cash Rewards Credit Card is VISA, Capital One Savor Cash Rewards Credit Card is MASTERCARD
Spending Scenarios
Which card wins in real-world spending situations?
$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.
$400/month on dining
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 3X. Over a year, that's 19,200 vs 14,400 points — a 4,800-point advantage.
$600/month on grocery stores
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 3X vs 2X. Over a year, that's 21,600 vs 14,400 points — a 7,200-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 Capital One Savor Cash Rewards Credit Card if:
The Capital One Savor Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on dining and grocery stores. 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 Savor Cash Rewards Credit Card wins in 2 of 2 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 9 more categories depend on booking channel or caps.
Drugstores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Capital One Savor Cash Rewards Credit 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; Capital One Savor Cash Rewards Credit 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; Capital One Savor Cash Rewards Credit 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; Capital One Savor Cash Rewards Credit 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; Capital One Savor Cash Rewards Credit 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; Capital One Savor Cash Rewards Credit 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; Capital One Savor Cash Rewards Credit 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; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Grocery Stores
Capital One Savor Cash Rewards Credit Card 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; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
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 Capital One Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Customized Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit 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: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Capital One Savor Cash Rewards Credit Card | Capital One Savor 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: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
The Bottom Line
Both scenarios favor the Capital One Savor Cash Rewards Credit 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 Capital One Savor Cash Rewards Credit Card?
- 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 Capital One Savor 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.
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.