Bank of America Customized Cash Rewards credit card vs. Southwest Rapid Rewards Premier 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
Southwest Rapid Rewards Premier Credit Card
Chase
Bank of America Customized Cash Rewards credit card and Southwest Rapid Rewards Premier 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 and annual fee; Southwest Rapid Rewards Premier Credit Card wins on travel insurance and foreign transactions.
Pick the Bank of America Customized Cash Rewards credit card if year-one math is your priority; take the Bank of America Customized Cash Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2 (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 Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card is $149 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card carries built-in travel insurance.
- Foreign transactions Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $149
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- $-149
- Peak earning rate
- 3×
- 3×
- Top categories
- Choice Category, Grocery
- Airfare, Groceries, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Southwest Rapid Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.