Bank of America Customized Cash Rewards Credit Card vs Bank of America Unlimited Cash Rewards Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Bank of America Customized Cash Rewards Credit Card
Estimated value every year on typical spending
$372/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $572
Bank of America Unlimited Cash Rewards Credit Card
Estimated value every year on typical spending
$468/ year
Every year, after the annual fee. Year one adds a $250 welcome bonus: $718
The short answer
- On typical spending, the Bank of America Unlimited Cash Rewards Credit Card comes out ahead: about $468 a year after its fee, against $372 for the Bank of America Customized Cash Rewards Credit Card.
- The Bank of America Customized Cash Rewards Credit Card earns more on groceries.
- The Bank of America Unlimited Cash Rewards Credit Card earns more on dining, gas, travel, everything else.
Side by side
| Bank of America Customized Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 6% cash back in the category of your choice for the first year; 3% cash back in that category after the first year; 2% cash back at grocery stores and wholesale clubs; 1% cash back on all other purchases | 1.5% cash back on all purchases |
| Welcome bonus | $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. | $250 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 15 billing cycles | 0% for the first 15 billing cycles |
| Regular APR | 17.74% to 27.74% variable | 17.74% to 27.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Not specified | Not specified |
Yearly rewards by category
| Category (monthly spend) | Bank of America Customized Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
|---|---|---|
| groceries ($500) | $120 | $90 |
| dining ($400) | $48 | $72 |
| gas ($200) | $24 | $36 |
| travel ($300) | $36 | $54 |
| everything else ($1,200) | $144 | $216 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Bank of America Customized Cash Rewards Credit Card or the Bank of America Unlimited Cash Rewards Credit Card?
On typical spending the Bank of America Unlimited Cash Rewards Credit Card is worth more: about $468 a year after its fee, against $372 for the Bank of America Customized Cash Rewards Credit Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Bank of America Customized Cash Rewards Credit Card. On $500 a month of groceries it earns about $120 a year, against $90 with the Bank of America Unlimited Cash Rewards Credit Card.
Which is better for dining?
The Bank of America Unlimited Cash Rewards Credit Card. On $400 a month of dining it earns about $72 a year, against $48 with the Bank of America Customized Cash Rewards Credit Card.
Which is better for travel?
The Bank of America Unlimited Cash Rewards Credit Card. On $300 a month of travel it earns about $54 a year, against $36 with the Bank of America Customized Cash Rewards Credit Card.
Which is better for gas?
The Bank of America Unlimited Cash Rewards Credit Card. On $200 a month of gas it earns about $36 a year, against $24 with the Bank of America Customized Cash Rewards Credit Card.
Put any two cards head to head.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.