Bank of America Customized Cash Rewards credit card vs. Discover it Cash Back
On the criteria below, Discover it Cash Back wins 2 of 4. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Discover it Cash Back
Discover
Discover it Cash Back 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; Discover it Cash Back wins on earning ceiling and foreign transactions.
Pick the Bank of America Customized Cash Rewards credit card if year-one math is your priority.
Who wins what
1 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 Tie
Same annual fee.
- Earning ceiling Discover it Cash Back
Discover it Cash Back earns more on its best category (5× vs 3×).
- Foreign transactions Discover it Cash Back
Discover it Cash Back 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×
- 5×
- Top categories
- Choice Category, Grocery
- Rotating Quarterly
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Discover Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.