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.

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.

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 is better for dining, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Discover it Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

150 cash

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Discover it Cash Back
Rotating Quarterly	1X	5X
Dining	3X	1X
Drugstores	3X	1X
Gas Stations	3X	1X
Home Improvement	3X	1X
Online Shopping	3X

Benefits & Features

Network

VISA

DISCOVER

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

+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

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 10 of 11 categories. The Discover it Cash Back leads in 1.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Discover it Cash Back?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
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.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Discover It Cashback Amex Gold vs Bank Of America Customized Cash Bank Of America Customized Cash vs Bilt Blue

Explore More

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

Discover it Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Discover 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 Discover it Cash Back

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Discover it Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

150 cash

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Discover it Cash Back
Rotating Quarterly	1X	5X
Dining	3X	1X
Drugstores	3X	1X
Gas Stations	3X	1X
Home Improvement	3X	1X
Online Shopping	3X

Benefits & Features

Network

VISA

DISCOVER

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

+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

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 10 of 11 categories. The Discover it Cash Back leads in 1.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Discover it Cash Back?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
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.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Discover It Cashback Amex Gold vs Bank Of America Customized Cash Bank Of America Customized Cash vs Bilt Blue

Explore More

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

Discover it Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Discover cards

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 is better for dining, while the Discover it Cash Back wins on rotating quarterly. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

Discover it Cash Back

Discover

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

150 cash

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	Discover it Cash Back
Rotating Quarterly	1X	5X
Dining	3X	1X
Drugstores	3X	1X
Gas Stations	3X	1X
Home Improvement	3X	1X
Online Shopping	3X

Benefits & Features

Network

VISA

DISCOVER

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

+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

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 10 of 11 categories. The Discover it Cash Back leads in 1.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Discover it Cash Back?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
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.

Related Comparisons

Amex Blue Cash Everyday vs Bank Of America Customized Cash Amex Blue Cash Everyday vs Discover It Cashback Amex Gold vs Bank Of America Customized Cash Bank Of America Customized Cash vs Bilt Blue

Explore More

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

Discover it Cash Back — Full Review All Discover Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Discover cards

Bank of America Customized Cash Rewards Credit Card vs Discover it Cash Back

Bank of America Customized Cash Rewards Credit Card

Discover it Cash Back

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 Discover it Cash Back

Bank of America Customized Cash Rewards Credit Card

Discover it Cash Back

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 Discover it Cash Back

Bank of America Customized Cash Rewards Credit Card

Discover it Cash Back

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?