Bank of America® Customized Cash Rewards Credit Card
Cash back
Bank of America® Customized Cash Rewards Credit Card
Bank of America - Visa - Credit card
4.7
4.7 out of 5
9.4/10
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Head-to-head
Bank of America® Customized Cash Rewards Credit Card vs SoFi Unlimited 2% Credit Card
Compare Bank of America® Customized Cash Rewards Credit Card and SoFi Unlimited 2% Credit Card side by side: fees, rewards, APR, and perks.
Last verified
SoFi Unlimited 2% Credit Card
Cash back
SoFi Unlimited 2% Credit Card
SoFi - Mastercard - Credit card
5.0
5.0 out of 5
10.0/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Bank of America® Customized Cash Rewards Credit Card | SoFi Unlimited 2% Credit Card |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 17.49% | 18.49% |
| Interest-free period | - | 25 days |
| Foreign transaction fee | 3% | 0% |
| Rewards | 3% cash back in one chosen category (gas, online shopping, dining, travel, drugstores, or home improvement/furnishings); 2% at grocery stores and wholesale clubs; 1% on all other purchases. The 3%/2% rate applies to the first $2,500 in combined quarterly purchases in those categories, then 1%. Preferred Rewards members earn 10–75% more cash back. | Unlimited 2% cash back on all eligible purchases when redeemed into a SoFi financial account (checking, savings, invest, or loan payoff); 1% when redeemed as a statement credit. 3% cash back on travel booked through SoFi Travel portal. |
| Installments | Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans via mobile app or online banking | - |
| No card fee | ||
| No foreign transaction fee | - | |
| Welcome bonus | ||
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Bank of America® Customized Cash Rewards Credit Card if its checked rows above line up with how you spend most.
- Choose the SoFi Unlimited 2% Credit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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