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Bank of America Customized Cash Rewards Credit Card vs TAP Miles and Go American Express Card
Both are well-respected travel cards. The Bank of America Customized Cash Rewards Credit Card comes from Bank of America at $0/yr; the TAP Miles and Go American Express Card from Cardless at $79/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Bank of America Customized Cash Rewards Credit Card | TAP Miles and Go American Express Card |
|---|---|---|
| Annual fee | $0 | $79 |
| Sign-up bonus | Not advertised | 40,000 bonus miles |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | $2,500 in 3 mo |
| Issuer | Bank of America | Cardless |
| Card category | cashback | airline |
| Best earning category (Choice_category) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Bank of America Customized Cash Rewards Credit Card
$0/yr ·
Read the full review
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles
Editorial take: TAP Miles and Go American Express Card
The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Customized Cash Rewards Credit Card or TAP Miles and Go American Express Card?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Bank of America Customized Cash Rewards Credit Card's $0 annual fee worth it compared to the TAP Miles and Go American Express Card?
- The Bank of America Customized Cash Rewards Credit Card has no annual fee, so the question is whether the TAP Miles and Go American Express Card's $79 fee is justified by its perks. If you'll use enough of the TAP Miles and Go American Express Card's benefits to clear $79 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 TAP Miles and Go American Express Card?
- Yes, since they're from different issuers (Bank of America and Cardless) 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 TAP Miles and Go American Express 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. TAP Miles and Go American Express Card: $2,500 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.