Head to head 
Bank of America Customized Cash Rewards credit card vs. Chase Freedom Unlimited
On the criteria below, Chase Freedom Unlimited wins 2 of 4. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Chase Freedom Unlimited
Chase
At a glance
Chase Freedom Unlimited wins 2 of 4 criteria here, making it the stronger all-rounder.
Chase Freedom Unlimited leads on earning ceiling and travel insurance, while Bank of America Customized Cash Rewards credit card only ties the rest.
Who wins what
0 vs 2 (2 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Chase Freedom Unlimited
Chase Freedom Unlimited earns more on its best category (5× vs 3×).
- Travel insurance Chase Freedom Unlimited
Chase Freedom Unlimited carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $200
- First-year net
- +$200
- +$200
- Peak earning rate
- 3×
- 5×
- Top categories
- Choice Category, Grocery
- Chase Travel, Dining, Drugstores
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Cashback
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.