Bank of America Customized Cash Rewards Credit Card vs Xbox Mastercard
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Xbox Mastercard on food delivery.
Card data as of October 12, 2026.
Bank of America Customized Cash Rewards Credit CardBank of America · No annual fee
Xbox MastercardBarclays · No annual fee
Overview
- Annual fee
- Bank of America Customized Cash Rewards Credit Card$0Xbox Mastercard$0
- Welcome offerCurrent public offer
- Bank of America Customized Cash Rewards Credit Card$200 cash backXbox Mastercard5,000 points
- Rewards
- Bank of America Customized Cash Rewards Credit CardCash backXbox MastercardXBOX points
- Foreign transaction fee
- Bank of America Customized Cash Rewards Credit Card3%Xbox Mastercard3%
- Network
- Bank of America Customized Cash Rewards Credit CardVisa SignatureXbox MastercardMastercard
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Cable TV
- Bank of America Customized Cash Rewards Credit Card3%Xbox Mastercard1x
- Dining
- Bank of America Customized Cash Rewards Credit Card3%Xbox Mastercard1x
- Drugstores
- Bank of America Customized Cash Rewards Credit Card3%Xbox Mastercard1x
- Food Delivery
- Bank of America Customized Cash Rewards Credit Card1%Xbox Mastercard3x
- Gas Stations
- Bank of America Customized Cash Rewards Credit Card3%Xbox Mastercard1x
- Home Improvement
- Bank of America Customized Cash Rewards Credit Card3%Xbox Mastercard1x
- Online Shopping
- Bank of America Customized Cash Rewards Credit Card3%Xbox Mastercard1x
- Streaming
- Bank of America Customized Cash Rewards Credit Card1%Xbox Mastercard3x
- Travel
- Bank of America Customized Cash Rewards Credit Card3%Xbox Mastercard1x
- Grocery Stores
- Bank of America Customized Cash Rewards Credit Card2%Xbox Mastercard1x
- Wholesale Clubs
- Bank of America Customized Cash Rewards Credit Card2%Xbox Mastercard1x
- Everything else
- Bank of America Customized Cash Rewards Credit Card1%Xbox Mastercard1x
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Customized Cash Rewards Credit Card
- 0% APR 15 months
Xbox Mastercard—
Perks & access— means none on record
- Other perks
- Bank of America Customized Cash Rewards Credit Card
- No annual fee
Xbox Mastercard—
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Bank of America Customized Cash Rewards Credit Card
- Visa Signature purchase protection
Xbox Mastercard- Zero Liability on unauthorized transactions
- Other protections
- Bank of America Customized Cash Rewards Credit Card—Xbox Mastercard
- Free FICO® Score
- 24/7 lost/stolen card assistance worldwide
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
Xbox 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
Xbox Mastercard—
Category-by-Category Winner
The Xbox Mastercard wins in 2 of 2 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; Xbox Mastercard 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; Xbox Mastercard 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; Xbox Mastercard 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; Xbox Mastercard 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; Xbox Mastercard 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; Xbox Mastercard earns 1X (1X without restrictions)
Travel
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 3X when conditions are met; Xbox Mastercard earns 1X (1X without restrictions)
Grocery Stores
Depends: up to $2,500/quarter
Bank of America Customized Cash Rewards Credit Card earns 2X when conditions are met; Xbox Mastercard 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; Xbox Mastercard earns 1X (1X without restrictions)
Food Delivery
Xbox Mastercard earns 3X vs 1X
Streaming
Xbox Mastercard earns 3X 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.
Close — depends on how much of the credits you use
| Scenario | Bank of America Customized Cash Rewards Credit Card | Xbox 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: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Close — depends on how much of the credits you use | 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: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Close — depends on how much of the credits you use | Bank of America Customized Cash Rewards 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
- +Do most of your spending at grocery stores
The Bottom Line
Close — depends on how much of the credits you use
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Customized Cash Rewards Credit Card or Xbox Mastercard?
- 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 Xbox 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.