Bank of America Customized Cash Rewards credit card vs. PayPal Cashback Mastercard
On the criteria below, Bank of America Customized Cash Rewards credit card wins 1 of 3. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
PayPal Cashback Mastercard
Synchrony
Bank of America Customized Cash Rewards credit card wins 1 of 3 criteria here, making it the stronger all-rounder.
Bank of America Customized Cash Rewards credit card leads on first-year math, while PayPal Cashback Mastercard only ties the rest.
Pick the Bank of America Customized Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 0 (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.
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
- PayPal Purchases
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Cashback
- PayPal Cash Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.