Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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 September 27, 2026.
Bank of America
Capital One
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Capital One VentureOne Rewards Credit Card |
|---|---|---|
| Cable Tv | 3X | 1X |
No unconditional category winner — 13 categories depend on how you earn.
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 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; Capital One VentureOne 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 VentureOne 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 VentureOne 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 VentureOne Rewards Credit Card earns 1X (1X without restrictions)
Cable Tv
Depends: up to $2,500/quarter
Both scenarios favor the Capital One VentureOne Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Dining | 3X | 1X |
| Drugstores | 3X | 1X |
| Gas Stations | 3X | 1X |
| Home Improvement | 3X | 1X |
| Online Shopping | 3X | 1X |
| Travel | 3X | 1X |
| Grocery Stores | 2X | 1X |
| Wholesale Clubs | 2X | 1X |
Network
Key Benefits
Pros
Cons
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Capital One VentureOne 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 VentureOne Rewards Credit Card earns 1X (1X 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 1X (1X 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 1X (1X without restrictions)
Hotels
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 1X (1X without restrictions)
Vacation Rentals
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 1X (1X without restrictions)
Entertainment
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 1X (1X without restrictions)
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: $222 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $222 Year one: $592 | 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: $888 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $888 Year one: $1,258 | Capital One VentureOne Rewards Credit Card | Capital One VentureOne Rewards Credit Card |
Get the Bank of America Customized Cash Rewards Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
