Should I get the Bank of America Customized Cash Rewards Credit Card or the REI Co-op® Mastercard®?

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 REI Co-op® Mastercard®?

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 REI Co-op® Mastercard®?

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 REI Co-op® Mastercard®

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the REI Co-op® Mastercard® wins on rei purchases. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

No image

REI Co-op® Mastercard®

Capital One

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

100 points

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	REI Co-op® Mastercard®
Rei Purchases	1X	5X
Dining	3X	1.5X
Drugstores	3X	1.5X
Gas Stations	3X	1.5X
Home Improvement	3X	1.5X
Online Shopping	3X

Benefits & Features

Network

VISA

MASTERCARD

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

—

Cons

−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

—

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 10 of 13 categories. The REI Co-op® Mastercard® leads in 3.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or REI Co-op® Mastercard®?: The REI Co-op® Mastercard® has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Customized Cash Rewards Credit Card or the REI Co-op® Mastercard®?: 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

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Explore More

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

REI Co-op® Mastercard® — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Capital One 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 REI Co-op® Mastercard®

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the REI Co-op® Mastercard® wins on rei purchases. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

No image

REI Co-op® Mastercard®

Capital One

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

100 points

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	REI Co-op® Mastercard®
Rei Purchases	1X	5X
Dining	3X	1.5X
Drugstores	3X	1.5X
Gas Stations	3X	1.5X
Home Improvement	3X	1.5X
Online Shopping	3X

Benefits & Features

Network

VISA

MASTERCARD

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

—

Cons

−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

—

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 10 of 13 categories. The REI Co-op® Mastercard® leads in 3.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or REI Co-op® Mastercard®?: The REI Co-op® Mastercard® has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Customized Cash Rewards Credit Card or the REI Co-op® Mastercard®?: 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

Explore More

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

REI Co-op® Mastercard® — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Capital One cards

Bank of America Customized Cash Rewards Credit Card vs REI Co-op® Mastercard®

Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card is better for dining, while the REI Co-op® Mastercard® wins on rei purchases. Here's how they compare.

Bank of America Customized Cash Rewards Credit Card

Bank of America

No image

REI Co-op® Mastercard®

Capital One

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

100 points

Earn Rates

Category	Bank of America Customized Cash Rewards Credit Card	REI Co-op® Mastercard®
Rei Purchases	1X	5X
Dining	3X	1.5X
Drugstores	3X	1.5X
Gas Stations	3X	1.5X
Home Improvement	3X	1.5X
Online Shopping	3X

Benefits & Features

Network

VISA

MASTERCARD

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

—

Cons

−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

—

Category-by-Category Winner

The Bank of America Customized Cash Rewards Credit Card wins in 10 of 13 categories. The REI Co-op® Mastercard® leads in 3.

Dining

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Drugstores

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Gas Stations

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Home Improvement

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Online Shopping

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Streaming

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Telecom

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Travel

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1.5X

Frequently Asked Questions

Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or REI Co-op® Mastercard®?: The REI Co-op® Mastercard® has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bank of America Customized Cash Rewards Credit Card or the REI Co-op® Mastercard®?: 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

Explore More

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

REI Co-op® Mastercard® — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · Capital One cards

Bank of America Customized Cash Rewards Credit Card vs REI Co-op® Mastercard®

Bank of America Customized Cash Rewards Credit Card

REI Co-op® Mastercard®

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 REI Co-op® Mastercard®

Bank of America Customized Cash Rewards Credit Card

REI Co-op® Mastercard®

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 REI Co-op® Mastercard®

Bank of America Customized Cash Rewards Credit Card

REI Co-op® Mastercard®

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?