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 leads on dining; the REI Co-op® Mastercard® on everyday spending.
Card data as of October 12, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
- REI Co-op® Mastercard®
Capital One · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0REI Co-op® Mastercard®$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backREI Co-op® Mastercard®$100 gift card
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backREI Co-op® Mastercard®REI
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%REI Co-op® Mastercard®NoneLowest
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureREI Co-op® Mastercard®Mastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%REI Co-op® Mastercard®1.5x
- Dining
- Bank of America Customized Cash Rewards Credit Card3%REI Co-op® Mastercard®1.5x
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%REI Co-op® Mastercard®1.5x
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%REI Co-op® Mastercard®1.5x
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%REI Co-op® Mastercard®1.5x
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%REI Co-op® Mastercard®1.5x
- Travel
- Bank of America Customized Cash Rewards Credit Card3%REI Co-op® Mastercard®1.5x
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%REI Co-op® Mastercard®1.5x
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%REI Co-op® Mastercard®1.5x
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%REI Co-op® Mastercard®1.5x
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
REI Co-op® Mastercard®—
Perks & access— means none on record
- Hotel status & programs
- Bank of America Customized Cash Rewards Credit Card—REI Co-op® Mastercard®
- Travel portal with hotel upgrades and concierge
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
REI Co-op® Mastercard®- 24/7 personal concierge at your service
- Double card rewards during our annual event
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
REI Co-op® Mastercard®— - Other protections
- Bank of America Customized Cash Rewards Credit Card—REI Co-op® Mastercard®
- Comprehensive identity theft monitoring
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
REI Co-op® Mastercard®— - 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
REI Co-op® Mastercard®—
Category-by-Category Winner
The REI Co-op® Mastercard® wins in 1 of 1 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 9 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; REI Co-op® Mastercard® earns 1.5X (1.5X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; REI Co-op® Mastercard® earns 1.5X (1.5X without restrictions)
Gas Stations
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; REI Co-op® Mastercard® earns 1.5X (1.5X without restrictions)
Home Improvement
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; REI Co-op® Mastercard® earns 1.5X (1.5X without restrictions)
Online Shopping
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; REI Co-op® Mastercard® earns 1.5X (1.5X without restrictions)
Cable TV
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; REI Co-op® Mastercard® earns 1.5X (1.5X without restrictions)
Travel
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; REI Co-op® Mastercard® earns 1.5X (1.5X without restrictions)
Grocery Stores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; REI Co-op® Mastercard® earns 1.5X (1.5X without restrictions)
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; REI Co-op® Mastercard® earns 1.5X (1.5X without restrictions)
Everyday purchases
REI Co-op® Mastercard® earns 1.5X 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 | REI Co-op® Mastercard® | 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: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $280 | REI Co-op® Mastercard® | 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: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $820 | REI Co-op® Mastercard® | REI Co-op® Mastercard® |
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 REI Co-op® Mastercard® 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 1.5X on the REI Co-op® Mastercard® vs 1X on the other card.
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 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 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.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.