Bank of America® Customized Cash Rewards Secured vs SavorOne Rewards from Capital One
Annual fees: Bank of America® Customized Cash Rewards Secured $0/yr, SavorOne Rewards from Capital One $39/yr. Strongest bonus categories: Bank of America® Customized Cash Rewards Secured on dining, SavorOne Rewards from Capital One on hotels.
Card data as of November 13, 2026.
Bank of America® Customized Cash Rewards SecuredBank of America · No annual fee
SavorOne Rewards from Capital OneCapital One · $39/yr
Overview
- Annual fee
- Bank of America® Customized Cash Rewards Secured$0LowestSavorOne Rewards from Capital One$39
- Welcome offerCurrent public offer
- Bank of America® Customized Cash Rewards Secured—SavorOne Rewards from Capital One—
- Rewards
- Bank of America® Customized Cash Rewards SecuredCash backSavorOne Rewards from Capital OneCash back
- Foreign transaction fee
- Bank of America® Customized Cash Rewards Secured3%SavorOne Rewards from Capital OneNoneLowest
- Network
- Bank of America® Customized Cash Rewards SecuredVisaSavorOne Rewards from Capital OneMastercard World Elite
Earn ratesPer $1 spent
- Cable TV
- Bank of America® Customized Cash Rewards Secured3%HighestSavorOne Rewards from Capital One1%
- Dining
- Bank of America® Customized Cash Rewards Secured3%SavorOne Rewards from Capital One3%
- Drugstores
- Bank of America® Customized Cash Rewards Secured3%HighestSavorOne Rewards from Capital One1%
- Electric Vehicle Charging
- Bank of America® Customized Cash Rewards Secured3%HighestSavorOne Rewards from Capital One1%
- Entertainment
- Bank of America® Customized Cash Rewards Secured1%SavorOne Rewards from Capital One3%Highest
- Gas Stations
- Bank of America® Customized Cash Rewards Secured3%HighestSavorOne Rewards from Capital One1%
- Grocery Stores
- Bank of America® Customized Cash Rewards Secured2%SavorOne Rewards from Capital One3%Highest
- Home Improvement
- Bank of America® Customized Cash Rewards Secured3%HighestSavorOne Rewards from Capital One1%
- Online Shopping
- Bank of America® Customized Cash Rewards Secured3%HighestSavorOne Rewards from Capital One1%
- Streaming
- Bank of America® Customized Cash Rewards Secured3%SavorOne Rewards from Capital One3%
- Telecom
- Bank of America® Customized Cash Rewards Secured3%HighestSavorOne Rewards from Capital One1%
- Travel
- Bank of America® Customized Cash Rewards Secured3%HighestSavorOne Rewards from Capital One1%
- Wholesale Clubs
- Bank of America® Customized Cash Rewards Secured2%HighestSavorOne Rewards from Capital One1%
- Everything else
- Bank of America® Customized Cash Rewards Secured1%SavorOne Rewards from Capital One1%
Perks & access— means none on record
- Other perks
- Bank of America® Customized Cash Rewards Secured
- Periodic deposit refund reviews
- Tap-to-pay contactless chip technology
- Apple Pay, Google Pay & Samsung Pay compatible
SavorOne Rewards from Capital One- Free Concierge Service 24 Hours a Day Year Round
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Award Winning
- Exclusive Capital One Entertainment Access with Early Ticket
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bank of America® Customized Cash Rewards Secured—SavorOne Rewards from Capital One
- Travel Accident Cover at No Extra Charge
- Purchase & returns
- Bank of America® Customized Cash Rewards Secured
- Zero Liability on unauthorized charges
SavorOne Rewards from Capital One— - Extended warranty
- Bank of America® Customized Cash Rewards Secured—SavorOne Rewards from Capital One
- Extended Warranty Cover at No Charge on Eligible Purchases
- Other protections
- Bank of America® Customized Cash Rewards Secured
- Monthly reporting to all 3 credit bureaus
- Monthly FICO score monitoring
- 24/7 fraud monitoring on all transactions
- Overdraft protection with Balance Connect
- 24/7 lost/stolen card assistance worldwide
SavorOne Rewards from Capital One- Credit monitoring
- Zero Dollar Fraud Liability Cover on All Unauthorized
- Virtual Card Numbers from Eno for Secure Online Shopping
Pros & cons
- Pros
- Bank of America® Customized Cash Rewards Secured—SavorOne Rewards from Capital One
- 3% cash back on popular categories for a $39 annual fee
- 3% back on dining, groceries, entertainment, and streaming services
- 8% cash back on Capital One Entertainment ticket purchases
- 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
- No foreign transaction fees for international spending
- Cons
- Bank of America® Customized Cash Rewards Secured—SavorOne Rewards from Capital One
- Grocery exclusions for Walmart, Target, and warehouse clubs
- 1% base rate on non-bonus categories is below average
- $39 annual fee, no welcome bonus and no intro APR
- 29.24% variable purchase APR
- No travel benefits or lounge access
Category-by-Category Winner
The SavorOne Rewards from Capital One wins in 2 of 2 categories. The Bank of America® Customized Cash Rewards Secured leads in 0. 12 more categories depend on booking channel or caps.
Grocery Stores
SavorOne Rewards from Capital One earns 3X vs 2X
Wholesale Clubs
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 2X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)
Drugstores
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)
Gas Stations
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)
Electric Vehicle Charging
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)
Home Improvement
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)
Online Shopping
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)
Telecom
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)
Cable TV
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)
Travel
Depends: up to $2,500/quarter
Bank of America® Customized Cash Rewards Secured earns 3X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)
Entertainment
SavorOne Rewards from Capital One earns 3X vs 1X
Hotels
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Bank of America® Customized Cash Rewards Secured earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Bank of America® Customized Cash Rewards Secured earns 1X (1X without restrictions)
Vacation Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Bank of America® Customized Cash Rewards Secured earns 1X (1X without restrictions)
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.
Both scenarios favor the SavorOne Rewards from Capital One on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America® Customized Cash Rewards Secured | SavorOne Rewards from Capital One | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153 | SavorOne Rewards from Capital One | SavorOne Rewards from Capital One |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $729 Year one: $729 | SavorOne Rewards from Capital One | SavorOne Rewards from Capital One |
Is the Fee Difference Worth It?
The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Bank of America® Customized Cash Rewards Secured (no annual fee). To justify that gap, you need to extract at least $39 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $39 fee gap means the SavorOne Rewards from Capital One needs roughly $39 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
The Bottom Line
Both scenarios favor the SavorOne Rewards from Capital One on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Bank of America® Customized Cash Rewards Secured $0/yr, SavorOne Rewards from Capital One $39/yr — a $39 difference before welcome offers and credits.
Frequently Asked Questions
- Is the SavorOne Rewards from Capital One worth the higher annual fee?
- The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Bank of America® Customized Cash Rewards Secured. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Bank of America® Customized Cash Rewards Secured or SavorOne Rewards from Capital One?
- 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 Secured or the SavorOne Rewards from Capital One?
- Use the spend scenarios on this page: the Bank of America® Customized Cash Rewards Secured has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.
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.