Head to head

Bank of America Customized Cash Rewards credit card vs. Sam's Club Mastercard

On the criteria below, Sam's Club Mastercard wins 2 of 4. The verdict depends on which criteria matter to you.

Bank of America Customized Cash Rewards credit card

Bank of America

Synchrony

At a glance

Sam's Club Mastercard 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; Sam's Club Mastercard wins on earning ceiling and foreign transactions.

Pick the Bank of America Customized Cash Rewards credit card if year-one math is your priority.

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 Sam's Club Mastercard

Sam's Club Mastercard earns more on its best category (5× vs 3×).
Foreign transactions Sam's Club Mastercard

Sam's Club Mastercard has a lower (or zero) foreign transaction fee.

Annual fee: Free; Free
Welcome offer (typical value): $200; $30
First-year net: +$200; +$30
Peak earning rate: 3×; 5×
Top categories: Choice Category, Grocery; Gas Ev Charging, Dining, Sams Club Purchases
Lounge access: No; No
Travel insurance: No; No
Elite status: No; No
Foreign transaction fee: 3.00%; None
Reward currency: Cashback; Sam's Cash

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.