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Bank of America Customized Cash Rewards Credit Card vs Capital One Spark Cash
Both are well-respected travel cards. The Bank of America Customized Cash Rewards Credit Card comes from Bank of America at $0/yr; the Capital One Spark Cash from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Spark Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($1,000 more in estimated value) than the Bank of America Customized Cash Rewards Credit Card's. Get the Capital One Spark Cash first; revisit the Bank of America Customized Cash Rewards Credit Card after you've earned that bonus.
| Feature | Bank of America Customized Cash Rewards Credit Card | Capital One Spark Cash |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | Not advertised | $1,000 cash bonus |
| Bonus value (est.) | - | $1,000 |
| Min spend to unlock bonus | - | $10,000 in 3 mo |
| Issuer | Bank of America | Capital One |
| Card category | cashback | business |
| 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
Capital One Spark Cash
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash
Common questions
- Which card has the bigger sign-up bonus, Bank of America Customized Cash Rewards Credit Card or Capital One Spark Cash?
- The Capital One Spark Cash has a public bonus ($1,000 cash bonus, worth roughly $1,000), 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 Capital One Spark Cash?
- The Bank of America Customized Cash Rewards Credit Card has no annual fee, so the question is whether the Capital One Spark Cash's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash's benefits to clear $95 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 Capital One Spark Cash?
- Yes, since they're from different issuers (Bank of America and Capital One) the application rules don't conflict. 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 Capital One Spark Cash 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. Capital One Spark Cash: $10,000 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.