Bank of America Customized Cash Rewards Credit Card vs Marriott Bonvoy Bold Credit Card
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of November 13, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Marriott Bonvoy Bold Credit Card$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backMarriott Bonvoy Bold Credit Card45,000 points
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit CardNoneLowest
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card2x
- Dining
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card1x
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card1x
- Electric Vehicle Charging
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card1x
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card1x
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card1x
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card1x
- Streaming
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card2x
- Telecom
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card2x
- Travel
- Bank of America Customized Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card1x
- Food Delivery
- Bank of America Customized Cash Rewards Credit Card1%Marriott Bonvoy Bold Credit Card2x
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%Marriott Bonvoy Bold Credit Card2x
- Ridesharing
- Bank of America Customized Cash Rewards Credit Card1%Marriott Bonvoy Bold Credit Card2x
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%Marriott Bonvoy Bold Credit Card1x
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Marriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Bank of America Customized Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Marriott Bonvoy Bold Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Bank of America Customized Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bank of America Customized Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- $500 trip delay reimbursement
- Baggage
- Bank of America Customized Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Up to $3,000 lost luggage coverage per trip
- Up to $100 a day for baggage delays over 6 hours · up to $500
- Rental car
- Bank of America Customized Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Auto rental coverage up to $60,000
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Marriott Bonvoy Bold Credit Card- Purchase protection for new items · up to $500
- Extended warranty
- Bank of America Customized Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Extended warranty protection for eligible purchases · up to $1
- Other protections
- Bank of America Customized Cash Rewards Credit Card—Marriott Bonvoy Bold Credit 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
Marriott Bonvoy Bold Credit Card- No annual fee makes it risk-free to hold long-term
- Automatic Silver Elite status with 10% bonus on stays and priority late checkout
- 5 Elite Night Credits annually toward status qualification
- No foreign transaction fees
- 2x earning on everyday categories (groceries, streaming, rideshare, food delivery)
- 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
Marriott Bonvoy Bold Credit Card- Only Silver Elite status (Gold and Platinum provide much better benefits)
- Low 1x earning on non-bonus purchases
- Only 5 Elite Night Credits vs 15-25 on premium cards
- No free night award benefit
- No lounge access or premium travel perks
Expert Analysis
The Bank of America Customized Cash Rewards Credit Card and Marriott Bonvoy Bold Credit Card 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 Marriott Bonvoy Bold Credit Card leads with 14X on Marriott Hotels. Overall, the Bank of America Customized Cash Rewards Credit Card wins in more bonus categories (9 vs 4) — 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
Spending Scenarios
Which card wins in real-world spending situations?
$400/month on dining
Bank of America Customized Cash Rewards Credit CardBank 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 CardBank 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 marriott hotels
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 14X vs 1X. Over a year, that's 33,600 vs 2,400 points — a 31,200-point advantage.
$200/month on streaming internet cable phone
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 2X vs 1X. Over a year, that's 4,800 vs 2,400 points — a 2,400-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 Marriott Bonvoy Bold Credit Card if:
The Marriott Bonvoy Bold Credit Card is ideal for cardholders who prioritize spending heavily on marriott hotels and streaming internet cable phone. 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.
Category-by-Category Winner
The Marriott Bonvoy Bold Credit Card wins in 2 of 2 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 11 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; Marriott Bonvoy Bold Credit Card 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; Marriott Bonvoy Bold Credit Card 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; Marriott Bonvoy Bold Credit Card 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; Marriott Bonvoy Bold Credit Card 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; Marriott Bonvoy Bold Credit Card 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; Marriott Bonvoy Bold Credit Card 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; Marriott Bonvoy Bold Credit 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; Marriott Bonvoy Bold Credit 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; Marriott Bonvoy Bold Credit 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; Marriott Bonvoy Bold Credit Card 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; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Food Delivery
Marriott Bonvoy Bold Credit Card earns 2X 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.
Ongoing value favors the Bank of America Customized Cash Rewards Credit Card; year-one value favors the Marriott Bonvoy Bold Credit Card.
| Scenario | Bank of America Customized Cash Rewards Credit Card | Marriott Bonvoy Bold Credit 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: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | Bank of America Customized Cash Rewards Credit Card | Marriott Bonvoy Bold Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | Bank of America Customized Cash Rewards Credit Card | Marriott Bonvoy Bold Credit 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
The Bottom Line
Ongoing value favors the Bank of America Customized Cash Rewards Credit Card; year-one value favors the Marriott Bonvoy Bold Credit Card.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Marriott Bonvoy Bold Credit Card?
- Both cards earn 1X 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 Marriott Bonvoy Bold Credit Card?
- 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
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.