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
Apply now
Head-to-head
Bank of America® Customized Cash Rewards Credit Card vs Upgrade Cash Rewards Visa®
Compare Bank of America® Customized Cash Rewards Credit Card and Upgrade Cash Rewards Visa® side by side: fees, rewards, APR, and perks.
Last verified
Upgrade Cash Rewards Visa®
Cash back
Upgrade Cash Rewards Visa®
Upgrade - Visa - Credit card
4.6
4.6 out of 5
9.2/10
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 | Upgrade Cash Rewards Visa® |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 17.49% | 14.99% |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 3% |
| 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 1.5% cash back on all purchases, earned when you pay back your balance. No category restrictions. |
| Installments | Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans via mobile app or online banking | Each purchase is converted into a fixed-rate, fixed-term installment loan (closed-end loan structure); you choose repayment term. AutoPay available. |
| 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 Upgrade Cash Rewards Visa® 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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