Should I get the Bank of America Customized Cash Rewards Credit Card or the Chase Freedom Unlimited?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bank of America Customized Cash Rewards Credit Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Chase Freedom Unlimited on travel.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Bank of America Customized Cash Rewards Credit Card Bank of America · No annual fee	Chase Freedom Unlimited Chase · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$200 cash back	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	3%	3%
Network	Visa Signature	Visa Signature
Earn ratesPer $1 spent
Cable TV	3% Highest	1.5%
Dining	3%	3%
Drugstores	3%	3%
Electric Vehicle Charging	3% Highest	1.5%
Gas Stations	3% Highest	1.5%
Home Improvement	3% Highest	1.5%
Online Shopping	3% Highest	1.5%
Streaming	3% Highest	1.5%
Telecom	3% Highest	1.5%
Travel	3% Highest	1.5%
Grocery Stores	2% Highest	1.5%
Wholesale Clubs	2% Highest	1.5%
Everything else	1%	1.5% Highest
Statement creditsAs the issuer states them · — means none on record
Dining & delivery	—	Free DashPass membership for 6 months · $60 one-time
Other credits	0% APR 15 months	—
Perks & access— means none on record
Other perks	No annual fee	24/7 travel assistance when you're away from home
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Up to $6,000 trip cancellation and interruption coverage · up to $1,500
Rental car	—	Free rental car coverage when you decline counter insurance
Purchase & returns	Visa Signature purchase protection	Up to $500 protection for damaged or stolen purchases 24/7 fraud monitoring Zero Liability on unauthorized charges
Extended warranty	—	Add an extra year to manufacturer warranties
Other protections	—	24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	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	1.5% cash back on every purchase with no caps or categories 5% on Chase Travel, 3% on dining and drugstores $200 bonus after $500 spend in 3 months 0% intro APR for 15 months on purchases and balance transfers $0 annual fee with Visa Signature benefits
Cons	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	3% foreign transaction fee 1.5% base rate lower than Freedom Flex's 5% rotating categories Points worth only 1 cent without Sapphire card pairing No premium travel insurance or lounge access Lower welcome bonus than Sapphire cards
	Card details	Card details

Bank of America Customized Cash Rewards Credit Card
Bank of America · No annual fee
Chase Freedom Unlimited
Chase · No annual fee

Overview

Annual fee: Bank of America Customized Cash Rewards Credit Card
$0
Chase Freedom Unlimited
$0
Welcome offerCurrent public offer: Bank of America Customized Cash Rewards Credit Card
$200 cash back
Chase Freedom Unlimited
$200 cash back
Rewards: Bank of America Customized Cash Rewards Credit Card
Cash back
Chase Freedom Unlimited
Cash back
Foreign transaction fee: Bank of America Customized Cash Rewards Credit Card
3%
Chase Freedom Unlimited
3%
Network: Bank of America Customized Cash Rewards Credit Card
Visa Signature
Chase Freedom Unlimited
Visa Signature

Earn ratesPer $1 spent

Cable TV: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Chase Freedom Unlimited
1.5%
Dining: Bank of America Customized Cash Rewards Credit Card
3%
Chase Freedom Unlimited
3%
Drugstores: Bank of America Customized Cash Rewards Credit Card
3%
Chase Freedom Unlimited
3%
Electric Vehicle Charging: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Chase Freedom Unlimited
1.5%
Gas Stations: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Chase Freedom Unlimited
1.5%
Home Improvement: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Chase Freedom Unlimited
1.5%
Online Shopping: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Chase Freedom Unlimited
1.5%
Streaming: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Chase Freedom Unlimited
1.5%
Telecom: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Chase Freedom Unlimited
1.5%
Travel: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Chase Freedom Unlimited
1.5%
Grocery Stores: Bank of America Customized Cash Rewards Credit Card
2%
Highest
Chase Freedom Unlimited
1.5%
Wholesale Clubs: Bank of America Customized Cash Rewards Credit Card
2%
Highest
Chase Freedom Unlimited
1.5%
Everything else: Bank of America Customized Cash Rewards Credit Card
1%
Chase Freedom Unlimited
1.5%
Highest

Statement creditsAs the issuer states them · — means none on record

Dining & delivery: Bank of America Customized Cash Rewards Credit Card
—
Chase Freedom Unlimited
Free DashPass membership for 6 months · $60 one-time
Other credits: Bank of America Customized Cash Rewards Credit Card
0% APR 15 months
Chase Freedom Unlimited
—

Perks & access— means none on record

Other perks: Bank of America Customized Cash Rewards Credit Card
No annual fee
Chase Freedom Unlimited
24/7 travel assistance when you're away from home

Protections & insuranceLimits where published · — means none on record

Trip insurance: Bank of America Customized Cash Rewards Credit Card
—
Chase Freedom Unlimited
Up to $6,000 trip cancellation and interruption coverage · up to $1,500
Rental car: Bank of America Customized Cash Rewards Credit Card
—
Chase Freedom Unlimited
Free rental car coverage when you decline counter insurance
Purchase & returns: Bank of America Customized Cash Rewards Credit Card
Visa Signature purchase protection
Chase Freedom Unlimited
Up to $500 protection for damaged or stolen purchases
24/7 fraud monitoring
Zero Liability on unauthorized charges
Extended warranty: Bank of America Customized Cash Rewards Credit Card
—
Chase Freedom Unlimited
Add an extra year to manufacturer warranties
Other protections: Bank of America Customized Cash Rewards Credit Card
—
Chase Freedom Unlimited
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 Unlimited
1.5% cash back on every purchase with no caps or categories
5% on Chase Travel, 3% on dining and drugstores
$200 bonus after $500 spend in 3 months
0% intro APR for 15 months on purchases and balance transfers
$0 annual fee with Visa Signature benefits
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 Unlimited
3% foreign transaction fee
1.5% base rate lower than Freedom Flex's 5% rotating categories
Points worth only 1 cent without Sapphire card pairing
No premium travel insurance or lounge access
Lower welcome bonus than Sapphire cards

Card details

Add a 3rd or 4th card to this comparison →

Expert Analysis

The Bank of America Customized Cash Rewards Credit Card and Chase Freedom Unlimited 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 Chase Freedom Unlimited leads with 3X on Dining. Overall, the Bank of America Customized Cash Rewards Credit Card wins in more bonus categories (8 vs 0) — 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 Gas Stations vs 1.5X for the other
Bank of America Customized Cash Rewards Credit Card earns 3X on Home Improvement vs 1.5X for the other
Bank of America Customized Cash Rewards Credit Card earns 3X on Online Shopping vs 1.5X for the other
Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X on non-bonus spending)

Spending Scenarios

Which card wins in real-world spending situations?

$150/month on gas stations

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X. Over a year, that's 5,400 vs 2,700 points — a 2,700-point advantage.

$150/month on home improvement

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X. Over a year, that's 5,400 vs 2,700 points — a 2,700-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 gas stations and home improvement. At $0/yr, it delivers strong no-fee value for its target audience.

Get the Chase Freedom Unlimited if:

The Chase Freedom Unlimited 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 Chase Freedom Unlimited wins in 5 of 5 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 9 more categories depend on booking channel or caps.

Gas Stations

Depends: up to $2,500/quarter