Bank of America Customized Cash Rewards Credit Card vs Choice Privileges Mastercard
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Choice Privileges Mastercard on gas stations.
Card data as of November 13, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Choice Privileges MastercardWells Fargo · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Choice Privileges Mastercard$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backChoice Privileges Mastercard40,000 points
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backChoice Privileges MastercardChoice Privileges Points
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges MastercardNoneLowest
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureChoice Privileges MastercardMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard1x
- Dining
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard1x
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard1x
- Electric Vehicle Charging
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard1x
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard3x
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%Choice Privileges Mastercard3x
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard3x
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard1x
- Streaming
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard1x
- Telecom
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard3x
- Travel
- Bank of America Customized Cash Rewards Credit Card3%Choice Privileges Mastercard1x
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%Choice Privileges Mastercard1x
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Choice Privileges Mastercard1x
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Choice Privileges Mastercard—
Perks & access— means none on record
- Hotel status & programs
- Bank of America Customized Cash Rewards Credit Card—Choice Privileges Mastercard
- Automatic Gold Elite status with 10% bonus
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Choice Privileges Mastercard- No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Choice Privileges Mastercard— - Cell phone
- Bank of America Customized Cash Rewards Credit Card—Choice Privileges Mastercard
- Up to $800 cell phone protection
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
Choice Privileges Mastercard- No annual fee with automatic Gold Elite status
- Strong 3x earning on gas, grocery, home improvement, and phone plans
- 5x earning at participating Choice Hotels
- 10 elite night credits annually
- No foreign transaction fees
- 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
Choice Privileges Mastercard- Gold Elite status provides limited benefits compared to Platinum
- Lower earning rates than the Select card across all categories
- No anniversary bonus points
- No Global Entry/TSA PreCheck credit
- Choice Hotels lacks luxury properties
Category-by-Category Winner
The Choice Privileges Mastercard wins in 1 of 1 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 8 more categories depend on booking channel or caps.
Dining
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Choice Privileges Mastercard earns 1X (1X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Choice Privileges Mastercard 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; Choice Privileges Mastercard 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; Choice Privileges Mastercard 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; Choice Privileges Mastercard 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; Choice Privileges Mastercard earns 1X (1X without restrictions)
Travel
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Choice Privileges Mastercard earns 1X (1X without restrictions)
Grocery Stores
Choice Privileges Mastercard earns 3X vs 2X
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Choice Privileges Mastercard 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 Choice Privileges Mastercard on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America Customized Cash Rewards Credit Card | Choice Privileges Mastercard | 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: $144 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $144 Year one: $464 | Choice Privileges Mastercard | Choice Privileges Mastercard |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $576 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $576 Year one: $896 | Choice Privileges Mastercard | Choice Privileges Mastercard |
Which Card Is Right for You?
Get the Bank of America Customized Cash Rewards Credit Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the Choice Privileges Mastercard 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 Choice Privileges Mastercard?
- 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 Choice Privileges Mastercard doesn't?
- The Bank of America Customized Cash Rewards Credit Card focuses on earn rates, while the Choice Privileges Mastercard offers cell phone protection.
- Should I get the Bank of America Customized Cash Rewards Credit Card or the Choice Privileges Mastercard?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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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.