Bank of America Customized Cash Rewards credit card vs. Bank of America Travel Rewards credit card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Bank of America Customized Cash Rewards credit card
Bank of America
Bank of America Travel Rewards credit card
Bank of America
Bank of America Customized Cash Rewards credit card and Bank of America Travel Rewards credit card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Bank of America Customized Cash Rewards credit card wins on first-year math; Bank of America Travel Rewards credit card wins on foreign transactions.
Pick the Bank of America Customized Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 1 (2 tie)- First-year math Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Foreign transactions Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- +$0
- Peak earning rate
- 3×
- 3×
- Top categories
- Choice Category, Grocery
- Travel
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Bank of America Travel Rewards Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.