Should I get the Bank of America Customized Cash Rewards Credit Card or the Discover it Cash Back?

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 Discover it Cash Back

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Discover it Cash Back on rotating quarterly.

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	Discover it Cash Back Discover · 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%	None Lowest
Network	Visa Signature	Discover
Earn ratesPer $1 spent
Rotating Quarterly	1%	5% Highest
Cable TV	3% Highest	1%
Dining	3% Highest	1%
Drugstores	3% Highest	1%
Electric Vehicle Charging	3% Highest	1%
Gas Stations	3% Highest	1%
Home Improvement	3% Highest	1%
Online Shopping	3% Highest	1%
Streaming	3% Highest	1%
Telecom	3% Highest	1%
Travel	3% Highest	1%
Grocery Stores	2% Highest	1%
Wholesale Clubs	2% Highest	1%
Everything else	1%	1%
Statement creditsAs the issuer states them · — means none on record
Other credits	0% APR 15 months	—
Perks & access— means none on record
Other perks	No annual fee	Talk to a real person anytime, 24/7 Save 3% on international purchases with no foreign fees
Protections & insuranceLimits where published · — means none on record
Purchase & returns	Visa Signature purchase protection	—
Other protections	—	Freeze your account instantly from your phone FICO score monitoring First late payment fee is waived automatically Free daily monitoring for your credit and Social Security nu Start using your card instantly after approval Zero liability for any unauthorized charges
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	Cashback Match doubles ALL rewards earned in first year - unlimited 5% cash back on rotating quarterly categories (up to $1,500 spend/quarter) No annual fee ever No foreign transaction fees (rare for no-AF cards) 0% intro APR for 15 months on purchases and balance transfers
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	Discover network has lower acceptance than Visa/Mastercard, especially internationally Must activate 5% categories each quarter or earn only 1% $1,500 quarterly cap on 5% categories limits high spenders After year one, effective earn rate drops significantly Base rate of 1% on non-bonus spending is below flat-rate alternatives
	Card details	Card details

Bank of America Customized Cash Rewards Credit Card
Bank of America · No annual fee
Discover it Cash Back
Discover · No annual fee

Overview

Annual fee: Bank of America Customized Cash Rewards Credit Card
$0
Discover it Cash Back
$0
Welcome offerCurrent public offer: Bank of America Customized Cash Rewards Credit Card
$200 cash back
Discover it Cash Back
$200 cash back
Rewards: Bank of America Customized Cash Rewards Credit Card
Cash back
Discover it Cash Back
Cash back
Foreign transaction fee: Bank of America Customized Cash Rewards Credit Card
3%
Discover it Cash Back
None
Lowest
Network: Bank of America Customized Cash Rewards Credit Card
Visa Signature
Discover it Cash Back
Discover

Earn ratesPer $1 spent

Rotating Quarterly: Bank of America Customized Cash Rewards Credit Card
1%
Discover it Cash Back
5%
Highest
Cable TV: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Dining: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Drugstores: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Electric Vehicle Charging: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Gas Stations: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Home Improvement: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Online Shopping: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Streaming: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Telecom: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Travel: Bank of America Customized Cash Rewards Credit Card
3%
Highest
Discover it Cash Back
1%
Grocery Stores: Bank of America Customized Cash Rewards Credit Card
2%
Highest
Discover it Cash Back
1%
Wholesale Clubs: Bank of America Customized Cash Rewards Credit Card
2%
Highest
Discover it Cash Back
1%
Everything else: Bank of America Customized Cash Rewards Credit Card
1%
Discover it Cash Back
1%

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

Other credits: Bank of America Customized Cash Rewards Credit Card
0% APR 15 months
Discover it Cash Back
—

Perks & access— means none on record

Other perks: Bank of America Customized Cash Rewards Credit Card
No annual fee
Discover it Cash Back
Talk to a real person anytime, 24/7
Save 3% on international purchases with no foreign fees

Protections & insuranceLimits where published · — means none on record

Purchase & returns: Bank of America Customized Cash Rewards Credit Card
Visa Signature purchase protection
Discover it Cash Back
—
Other protections: Bank of America Customized Cash Rewards Credit Card
—
Discover it Cash Back
Freeze your account instantly from your phone
FICO score monitoring
First late payment fee is waived automatically
Free daily monitoring for your credit and Social Security nu
Start using your card instantly after approval
Zero liability for any unauthorized charges

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
Discover it Cash Back
Cashback Match doubles ALL rewards earned in first year - unlimited
5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
No annual fee ever
No foreign transaction fees (rare for no-AF cards)
0% intro APR for 15 months on purchases and balance transfers
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
Discover it Cash Back
Discover network has lower acceptance than Visa/Mastercard, especially internationally
Must activate 5% categories each quarter or earn only 1%
$1,500 quarterly cap on 5% categories limits high spenders
After year one, effective earn rate drops significantly
Base rate of 1% on non-bonus spending is below flat-rate alternatives

Card details

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Expert Analysis

The Bank of America Customized Cash Rewards Credit Card and Discover it Cash Back 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 Discover it Cash Back leads with 5X on Rotating Quarterly. Overall, the Bank of America Customized Cash Rewards Credit Card wins in more bonus categories (10 vs 1) — 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 Dining vs 1X for the other
Bank of America Customized Cash Rewards Credit Card earns 3X on Drugstores vs 1X for the other
Bank of America Customized Cash Rewards Credit Card earns 3X on Gas Stations vs 1X for the other
Different networks: Bank of America Customized Cash Rewards Credit Card is VISA, Discover it Cash Back is DISCOVER

Spending Scenarios

Which card wins in real-world spending situations?

$400/month on dining

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X. Over a year, that's 14,400 vs 4,800 points — a 9,600-point advantage.

$80/month on drugstores

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X. Over a year, that's 2,880 vs 960 points — a 1,920-point advantage.

$200/month on rotating quarterly

Discover it Cash Back

Discover it Cash Back earns 5X vs 1X. Over a year, that's 12,000 vs 2,400 points — a 9,600-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 dining and drugstores. At $0/yr, it delivers strong no-fee value for its target audience.

Get the Discover it Cash Back if:

The Discover it Cash Back is ideal for cardholders who prioritize spending heavily on rotating quarterly. 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.