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Bank of America Customized Cash Rewards Credit Card vs Bank of America Unlimited Cash Rewards Credit Card
Both are cashback travel cards. The Bank of America Customized Cash Rewards Credit Card comes from Bank of America at $0/yr; the Bank of America Unlimited Cash Rewards Credit Card from Bank of America at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Bank of America and target cashback spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Bank of America Unlimited Cash Rewards Credit Card costs $0 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Bank of America Customized Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Not advertised | $200 cash rewards |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | - | $1,000 in 3 mo |
| Issuer | Bank of America | Bank of America |
| Card category | cashback | cashback |
| Best earning category (Choice_category) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Bank of America Customized Cash Rewards Credit Card
$0/yr ·
Read the full review
Bank of America Unlimited Cash Rewards Credit Card
$0/yr · $200 cash rewards
Editorial take: Bank of America Unlimited Cash Rewards Credit Card
Common questions
- Which card has the bigger sign-up bonus, Bank of America Customized Cash Rewards Credit Card or Bank of America Unlimited Cash Rewards Credit Card?
- The Bank of America Unlimited Cash Rewards Credit Card has a public bonus ($200 cash rewards, worth roughly $200), while the Bank of America Customized Cash Rewards Credit Card doesn't advertise one right now.
- Is the Bank of America Customized Cash Rewards Credit Card's $0 annual fee worth it compared to the Bank of America Unlimited Cash Rewards Credit Card?
- The Bank of America Customized Cash Rewards Credit Card has no annual fee, so the question is whether the Bank of America Unlimited Cash Rewards Credit Card's $0 fee is justified by its perks. If you'll use enough of the Bank of America Unlimited Cash Rewards Credit Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Bank of America Customized Cash Rewards Credit Card.
- Can I have both the Bank of America Customized Cash Rewards Credit Card and Bank of America Unlimited Cash Rewards Credit Card?
- Yes, though both are issued by Bank of America so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Customized Cash Rewards Credit Card or the Bank of America Unlimited Cash Rewards Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Customized Cash Rewards Credit Card: no published min spend. Bank of America Unlimited Cash Rewards Credit Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.