Bank of America Customized Cash Rewards credit card vs. Capital One Platinum Credit Card
On the criteria below, Bank of America Customized Cash Rewards credit card wins 2 of 4. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Capital One Platinum Credit Card
Capital One
Bank of America Customized Cash Rewards credit card wins 2 of 4 criteria here, making it the stronger all-rounder.
Bank of America Customized Cash Rewards credit card wins on first-year math and earning ceiling; Capital One Platinum 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
2 vs 1 (1 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 Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card earns more on its best category (3× vs 0×).
- Foreign transactions Capital One Platinum Credit Card
Capital One Platinum 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×
- —
- Top categories
- Choice Category, Grocery
- —
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.