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 Chase Freedom Flex on rotating quarterly.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Chase Freedom Flex |
|---|---|---|
| Rotating Quarterly | 1X | 5X |
No unconditional category winner — 8 categories depend on how you earn.
Gas Stations
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Chase Freedom Flex 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; Chase Freedom Flex 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; Chase Freedom Flex 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; Chase Freedom Flex earns 1X (1X without restrictions)
Travel
Depends: via issuer travel portal
Chase Freedom Flex earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 3X (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; Chase Freedom Flex earns 1X (1X without restrictions)
Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).
| Cable Tv |
| 3X |
| 1X |
| Dining | 3X | 3X |
| Drugstores | 3X | 3X |
| Gas Stations | 3X | 1X |
| Home Improvement | 3X | 1X |
| Online Shopping | 3X | 1X |
| Travel | 3X | 1X |
| Grocery Stores | 2X | 1X |
| Wholesale Clubs | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Chase Freedom Flex earns 1X (1X without restrictions)
Rotating Quarterly
Depends: up to $1,500/quarter; Must activate each quarter before deadline
Chase Freedom Flex 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 Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Customized Cash Rewards Credit Card | Chase Freedom Flex | 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: $281 Credits (our usable estimate): $85 − Annual fee ($0) Ongoing: $366 Year one: $596 | Chase Freedom Flex | Chase Freedom Flex |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $1,123 Credits (our usable estimate): $85 − Annual fee ($0) Ongoing: $1,208 Year one: $1,438 | Chase Freedom Flex | Chase Freedom Flex |
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.
