Bank of America Customized Cash Rewards credit card vs. Apple 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
Apple Card
Goldman Sachs Bank USA
Bank of America Customized Cash Rewards credit card and Apple 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; Apple 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 Apple Card
Apple 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
- Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Apple Daily Cash
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.