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.

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.

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 is better for dining, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Chase Freedom Unlimited
Dining	3X	3X
Drugstores	3X	3X
Gas Stations	3X	1.5X
Home Improvement	3X	1.5X
Online Shopping	3X	1.5X
Streaming	3X	1.5X

Benefits & Features

Network

VISA

Key Benefits

None

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

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 8 of 9 categories. The Chase Freedom Unlimited leads in 1.

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Grocery Stores

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1.5X

Wholesale Clubs

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1.5X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
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.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Gold vs Bank Of America Customized Cash Amex Green vs Chase Freedom Unlimited

Explore More

Bank of America Customized Cash Rewards Credit Card — Full Review All Bank of America Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

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 is better for dining, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Chase Freedom Unlimited
Dining	3X	3X
Drugstores	3X	3X
Gas Stations	3X	1.5X
Home Improvement	3X	1.5X
Online Shopping	3X	1.5X
Streaming	3X	1.5X

Benefits & Features

Network

VISA

Key Benefits

None

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

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 8 of 9 categories. The Chase Freedom Unlimited leads in 1.

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Grocery Stores

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1.5X

Wholesale Clubs

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1.5X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
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.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Gold vs Bank Of America Customized Cash Amex Green vs Chase Freedom Unlimited

Explore More

Bank of America Customized Cash Rewards Credit Card — Full Review All Bank of America Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Chase cards

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 is better for dining, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Chase Freedom Unlimited
Dining	3X	3X
Drugstores	3X	3X
Gas Stations	3X	1.5X
Home Improvement	3X	1.5X
Online Shopping	3X	1.5X
Streaming	3X	1.5X

Benefits & Features

Network

VISA

Key Benefits

None

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

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 8 of 9 categories. The Chase Freedom Unlimited leads in 1.

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Grocery Stores

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1.5X

Wholesale Clubs

Bank of America Customized Cash Rewards Credit Card earns 2X vs 1.5X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
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.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Gold vs Bank Of America Customized Cash Amex Green vs Chase Freedom Unlimited

Explore More

Bank of America Customized Cash Rewards Credit Card — Full Review All Bank of America Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Chase cards

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

Bank of America Customized Cash Rewards Credit Card

Chase Freedom Unlimited

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

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

Bank of America Customized Cash Rewards Credit Card

Chase Freedom Unlimited

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

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

Bank of America Customized Cash Rewards Credit Card

Chase Freedom Unlimited

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?