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 Discover it Cash Back on rotating quarterly.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Discover it Cash Back |
|---|---|---|
| Rotating Quarterly | 1X | 5X |
| Cable Tv | 3X | 1X |
| Dining | 3X | 1X |
| Drugstores | 3X | 1X |
| Gas Stations | 3X | 1X |
| Home Improvement | 3X |
Network
Key Benefits
Pros
Cons
No unconditional category winner — 10 categories depend on how you earn.
Dining
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Discover it Cash Back 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; Discover it Cash Back earns 1X (1X without restrictions)
Gas Stations
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Discover it Cash Back earns 1X (1X without restrictions)
Home Improvement
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Discover it Cash Back 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; Discover it Cash Back 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; Discover it Cash Back earns 1X (1X without restrictions)
Close — depends on how much of the credits you use
| Online Shopping | 3X | 1X |
| Travel | 3X | 1X |
| Grocery Stores | 2X | 1X |
| Wholesale Clubs | 2X | 1X |
Travel
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Discover it Cash Back earns 1X (1X without restrictions)
Grocery Stores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Discover it Cash Back earns 1X (1X without restrictions)
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Discover it Cash Back earns 1X (1X without restrictions)
Rotating Quarterly
Depends: up to $1,500/quarter; Must activate each quarter
Discover it Cash Back earns 5X when conditions are met; Bank of America Customized Cash Rewards Credit Card earns 1X (1X without restrictions)
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.
Close — depends on how much of the credits you use
| Scenario | Bank of America Customized Cash Rewards Credit Card | Discover it Cash Back | 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: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Close — depends on how much of the credits you use | Bank of America Customized Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Close — depends on how much of the credits you use | Bank of America Customized Cash Rewards Credit Card |
Get the Bank of America Customized Cash Rewards Credit Card 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.
