Bank of America Customized Cash Rewards Credit Card vs Fidelity Rewards Visa Signature Card
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Fidelity Rewards Visa Signature Card on everyday spending.
Card data as of November 13, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Fidelity Rewards Visa Signature CardElan Financial · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Fidelity Rewards Visa Signature Card$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backFidelity Rewards Visa Signature Card—
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backFidelity Rewards Visa Signature CardCash back
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Fidelity Rewards Visa Signature CardNoneLowest
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureFidelity Rewards Visa Signature CardVisa Signature
Earn ratesPer $1 spent
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Dining
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Electric Vehicle Charging
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Streaming
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Telecom
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Travel
- Bank of America Customized Cash Rewards Credit Card3%HighestFidelity Rewards Visa Signature Card2%
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%Fidelity Rewards Visa Signature Card2%
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%Fidelity Rewards Visa Signature Card2%
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Fidelity Rewards Visa Signature Card2%Highest
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bank of America Customized Cash Rewards Credit Card—Fidelity Rewards Visa Signature Card
- Up to $100 back for Global Entry or TSA PreCheck · $100 every 4 years
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Fidelity Rewards Visa Signature Card—
Perks & access— means none on record
- Hotel status & programs
- Bank of America Customized Cash Rewards Credit Card—Fidelity Rewards Visa Signature Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Fidelity Rewards Visa Signature Card- 24/7 Visa Signature Concierge service
- OpenTable dining access after card verification
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bank of America Customized Cash Rewards Credit Card—Fidelity Rewards Visa Signature Card
- Travel Accident Insurance · up to $250,000
- Baggage
- Bank of America Customized Cash Rewards Credit Card—Fidelity Rewards Visa Signature Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Bank of America Customized Cash Rewards Credit Card—Fidelity Rewards Visa Signature Card
- Auto rental collision damage waiver · up to $75,000
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Fidelity Rewards Visa Signature Card- $500 per claim on theft or damage
- Other protections
- Bank of America Customized Cash Rewards Credit Card—Fidelity Rewards Visa Signature Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
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
Fidelity Rewards Visa Signature Card- True 2% unlimited cash back on all purchases with no annual fee
- Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
- No minimum redemption threshold (rewards deposit automatically)
- No foreign transaction fee (removed September 1, 2023)
- Visa Signature benefits in the issuer's Guide to Benefits: purchase security, lost luggage reimbursement, auto rental collision damage waiver, travel accident insurance, concierge
- 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
Fidelity Rewards Visa Signature Card- The 2% cash back value applies only when points are deposited into an eligible Fidelity account
- Not flexible if you ever want to leave Fidelity
- No premium travel benefits or lounge access
- Issued by Elan Financial Services, not Fidelity directly (customer service may vary)
- No welcome bonus is listed on the issuer's page
Category-by-Category Winner
The Fidelity Rewards Visa Signature Card wins in 1 of 1 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 10 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; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Gas Stations
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X 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; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Home Improvement
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Online Shopping
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Cable TV
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Streaming
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Telecom
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Travel
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Fidelity Rewards Visa Signature Card earns 2X (2X without restrictions)
Everyday purchases
Fidelity Rewards Visa Signature Card earns 2X on all other spending vs 1X
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.
The better card depends on how much you spend.
| Scenario | Bank of America Customized Cash Rewards Credit Card | Fidelity Rewards Visa Signature Card | 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: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $240 | Fidelity Rewards Visa Signature Card | 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: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $960 | Fidelity Rewards Visa Signature Card | Fidelity Rewards Visa Signature Card |
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
- +Do most of your spending at grocery stores
Get the Fidelity Rewards Visa Signature Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
The better card depends on how much you spend.
Everyday (non-bonus) spend earns 2X on the Fidelity Rewards Visa Signature Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Fidelity Rewards Visa Signature Card?
- The Fidelity Rewards Visa Signature Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Bank of America Customized Cash Rewards Credit Card or the Fidelity Rewards Visa Signature Card?
- 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.