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 Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of September 27, 2026.
Bank of America
Chase
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Marriott Bonvoy Bold Credit Card |
|---|---|---|
| Cable Tv | 3X | 2X |
The Marriott Bonvoy Bold Credit Card wins in 4 of 4 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 8 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)
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)
Modeled value is close across spend levels — especially once statement credits are counted.
| Dining |
| 3X |
| 1X |
| Drugstores | 3X | 1X |
| Gas Stations | 3X | 1X |
| Home Improvement | 3X | 1X |
| Online Shopping | 3X | 1X |
| Travel | 3X | 1X |
| Food Delivery | 1X | 2X |
| Grocery Stores | 2X | 2X |
| Ridesharing | 1X | 2X |
| Streaming | 1X | 2X |
| Telecom | 1X | 2X |
| Wholesale Clubs | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
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)
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)
Streaming
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Telecom
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Food Delivery
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
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.
Modeled value is close across spend levels — especially once statement credits are counted.
| 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): $23 − Annual fee ($0) Ongoing: $120 Year one: $435 | Close — depends on how much of the credits you use | 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): $23 − Annual fee ($0) Ongoing: $409 Year one: $724 | Bank of America Customized Cash Rewards Credit Card | Marriott Bonvoy Bold 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.
