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 Unlimited on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Chase Freedom Unlimited |
|---|---|---|
| Cable Tv | 3X | 1.5X |
| Dining | 3X | 3X |
| Drugstores | 3X | 3X |
| Gas Stations | 3X | 1.5X |
| Home Improvement | 3X | 1.5X |
| Online Shopping | 3X | 1.5X |
Network
Key Benefits
Pros
Cons
The Chase Freedom Unlimited wins in 2 of 2 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 6 more categories depend on booking channel or caps.
Gas Stations
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Chase Freedom Unlimited earns 1.5X (1.5X 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 Unlimited earns 1.5X (1.5X 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 Unlimited earns 1.5X (1.5X 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 Unlimited earns 1.5X (1.5X without restrictions)
Travel
Chase Freedom Unlimited earns 5X vs 3X
5X via issuer travel portal
Grocery Stores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Chase Freedom Unlimited earns 1.5X (1.5X without restrictions)
Both scenarios favor the Chase Freedom Unlimited on net value (rewards, usable credits, fees, and welcome offer).
| Travel | 3X | 1.5X |
| Grocery Stores | 2X | 1.5X |
| Wholesale Clubs | 2X | 1.5X |
| Everything Else | 1X | 1.5X |
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Chase Freedom Unlimited earns 1.5X (1.5X without restrictions)
Everyday purchases
Chase Freedom Unlimited earns 1.5X on all other spending vs 1X
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 Unlimited on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Customized Cash Rewards Credit Card | Chase Freedom Unlimited | 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: $373 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $373 Year one: $603 | Chase Freedom Unlimited | Chase Freedom Unlimited |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $1,490 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,490 Year one: $1,720 | Chase Freedom Unlimited | Chase Freedom Unlimited |
Get the Bank of America Customized Cash Rewards Credit Card if you:
Get the Chase Freedom Unlimited 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.
