Bank of America Customized Cash Rewards Credit Card vs Capital One VentureOne Rewards Credit Card
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Capital One VentureOne Rewards Credit Card on hotels.
Card data as of November 13, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Capital One VentureOne Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Capital One VentureOne Rewards Credit Card$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backCapital One VentureOne Rewards Credit Card20,000 miles
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backCapital One VentureOne Rewards Credit CardCapital One Miles
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit CardNoneLowest
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureCapital One VentureOne Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Dining
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Electric Vehicle Charging
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Streaming
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Telecom
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Travel
- Bank of America Customized Cash Rewards Credit Card3%Capital One VentureOne Rewards Credit Card1.25x
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%Capital One VentureOne Rewards Credit Card1.25x
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%Capital One VentureOne Rewards Credit Card1.25x
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Capital One VentureOne Rewards Credit Card1.25x
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 VentureOne Rewards Credit Card—
Perks & access— means none on record
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Capital One VentureOne Rewards Credit Card- Capital One Dining
- Transfer Your Miles
- No Foreign Transaction Fees
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Capital One VentureOne Rewards Credit Card— - Other protections
- Bank of America Customized Cash Rewards Credit Card—Capital One VentureOne 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 VentureOne Rewards Credit Card- No annual fee
- 20,000 mile welcome bonus ($200 value)
- 5X miles on hotels, vacation rentals and rental cars via Capital One Travel
- 1.25X miles on all purchases
- No foreign transaction fees
- 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 VentureOne Rewards Credit Card- Lower earn rate than premium travel cards
- No lounge access or premium travel benefits
- 5X earning requires booking through Capital One Travel
- Miles worth 1 cent each for travel, less for other redemptions
Expert Analysis
The Bank of America Customized Cash Rewards Credit Card and Capital One VentureOne 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.
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 1.25X for the other
- Bank of America Customized Cash Rewards Credit Card earns 3X on Drugstores vs 1.25X for the other
- Bank of America Customized Cash Rewards Credit Card earns 3X on Gas Stations vs 1.25X for the other
- Capital One VentureOne Rewards Credit Card has a higher base earn rate (1.25X vs 1X on non-bonus spending)
- Different networks: Bank of America Customized Cash Rewards Credit Card is VISA, Capital One VentureOne 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 CardBank of America Customized Cash Rewards Credit Card earns 3X vs 1.25X. Over a year, that's 14,400 vs 6,000 points — a 8,400-point advantage.
$80/month on drugstores
Bank of America Customized Cash Rewards Credit CardBank of America Customized Cash Rewards Credit Card earns 3X vs 1.25X. Over a year, that's 2,880 vs 1,200 points — a 1,680-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 VentureOne Rewards Credit Card if:
The Capital One VentureOne Rewards Credit Card is ideal for cardholders who prioritize 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 VentureOne 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
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1.25X (1.25X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1.25X (1.25X 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 VentureOne Rewards Credit Card earns 1.25X (1.25X 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 VentureOne Rewards Credit Card earns 1.25X (1.25X 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 VentureOne Rewards Credit Card earns 1.25X (1.25X 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 VentureOne Rewards Credit Card earns 1.25X (1.25X 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 VentureOne Rewards Credit Card earns 1.25X (1.25X without restrictions)
Streaming
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1.25X (1.25X 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 VentureOne Rewards Credit Card earns 1.25X (1.25X 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 VentureOne Rewards Credit Card earns 1.25X (1.25X without restrictions)
Grocery Stores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1.25X (1.25X without restrictions)
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1.25X (1.25X without restrictions)
Hotels
Capital One VentureOne Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Car Rentals
Capital One VentureOne Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Vacation Rentals
Capital One VentureOne Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Everyday purchases
Capital One VentureOne Rewards Credit Card earns 1.25X on all other spending 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 VentureOne Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Customized Cash Rewards Credit Card | Capital One VentureOne 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: $195 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $195 Year one: $455 | Capital One VentureOne Rewards Credit Card | Capital One VentureOne Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $780 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $780 Year one: $1,040 | Capital One VentureOne Rewards Credit Card | Capital One VentureOne Rewards Credit Card |
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
- +Do most of your spending at grocery stores
Get the Capital One VentureOne Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Capital One VentureOne Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.25X on the Capital One VentureOne Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Capital One VentureOne Rewards Credit Card?
- The Capital One VentureOne Rewards Credit Card has a higher base earn rate (1.25X 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 VentureOne 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.
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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.