Bank of America Customized Cash Rewards Credit Card vs Chase Freedom Flex
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 November 13, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Chase Freedom FlexChase · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Chase Freedom Flex$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backChase Freedom Flex$200 cash back
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backChase Freedom FlexCash back
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Chase Freedom FlexNoneLowest
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureChase Freedom FlexMastercard World Elite
Earn ratesPer $1 spent
- Rotating Quarterly
- Bank of America Customized Cash Rewards Credit Card1%Chase Freedom Flex5%Highest
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%HighestChase Freedom Flex1%
- Dining
- Bank of America Customized Cash Rewards Credit Card3%Chase Freedom Flex3%
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%Chase Freedom Flex3%
- Electric Vehicle Charging
- Bank of America Customized Cash Rewards Credit Card3%HighestChase Freedom Flex1%
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%HighestChase Freedom Flex1%
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%HighestChase Freedom Flex1%
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%HighestChase Freedom Flex1%
- Streaming
- Bank of America Customized Cash Rewards Credit Card3%HighestChase Freedom Flex1%
- Telecom
- Bank of America Customized Cash Rewards Credit Card3%HighestChase Freedom Flex1%
- Travel
- Bank of America Customized Cash Rewards Credit Card3%HighestChase Freedom Flex1%
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%HighestChase Freedom Flex1%
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%HighestChase Freedom Flex1%
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Chase Freedom Flex1%
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Bank of America Customized Cash Rewards Credit Card—Chase Freedom Flex
- DoorDash DashPass · $60 one-time
- DoorDash DashPass · $10 quarterly
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Chase Freedom Flex—
Perks & access— means none on record
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Chase Freedom Flex- No foreign transaction fees on purchases worldwide
- 24/7 roadside assistance for towing and emergencies
- 24/7 travel assistance anywhere in the world
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bank of America Customized Cash Rewards Credit Card—Chase Freedom Flex
- Up to $6,000 trip cancellation and interruption coverage
- Rental car
- Bank of America Customized Cash Rewards Credit Card—Chase Freedom Flex
- Secondary rental coverage when you skip the counter option
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Chase Freedom Flex- 24/7 fraud monitoring
- Credit Journey
- Up to $500 protection for damaged or stolen purchases
- Extended warranty
- Bank of America Customized Cash Rewards Credit Card—Chase Freedom Flex
- Add an extra year to manufacturer warranties
- Other protections
- Bank of America Customized Cash Rewards Credit Card—Chase Freedom Flex
- 24/7 lost/stolen card assistance worldwide
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
Chase Freedom Flex- 5% on rotating categories up to $1,500/quarter when activated
- 3% on dining and drugstores with no annual cap
- 5X on Chase Travel portal purchases
- $0 annual fee with Mastercard World Elite benefits
- No foreign transaction fees (new for 2026)
- 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
Chase Freedom Flex- Must activate quarterly categories or miss 5% bonus
- $1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
- Points worth only 1 cent without Sapphire card pairing
- Welcome bonus lower than Sapphire cards
Category-by-Category Winner
No unconditional category winner — 14 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)
Electric Vehicle Charging
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)
Streaming
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)
Telecom
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)
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)
Hotels
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Freedom Flex earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 1X (1X without restrictions)
Flights
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Freedom Flex earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 1X (1X without restrictions)
Car Rentals
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Freedom Flex earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 1X (1X without restrictions)
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 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): $20 − Annual fee ($0) Ongoing: $301 Year one: $531 | 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): $20 − Annual fee ($0) Ongoing: $1,143 Year one: $1,373 | Chase Freedom Flex | Chase Freedom Flex |
Which Card Is Right for You?
Get the Bank of America Customized Cash Rewards Credit Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Chase Freedom Flex 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 Chase Freedom Flex?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Bank of America Customized Cash Rewards Credit Card have that the Chase Freedom Flex doesn't?
- The Bank of America Customized Cash Rewards Credit Card focuses on earn rates, while the Chase Freedom Flex offers dining credits.
- Should I get the Bank of America Customized Cash Rewards Credit Card or the Chase Freedom Flex?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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.