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 OneCard™
Compare Bank of America® Customized Cash Rewards Credit Card and Upgrade OneCard™ side by side: fees, rewards, APR, and perks.
Last verified
Upgrade OneCard™
Cash back
Upgrade OneCard™
Upgrade - Visa - Credit card
4.5
4.5 out of 5
9.0/10
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 | Upgrade OneCard™ |
|---|---|---|
| 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. | Up to 3% cash back on everyday purchases (convenience stores, drugstores, restaurants, gas, utilities, subscriptions) and 2% on all other purchases when linked to a Rewards Checking Preferred account via Pay Now. Without the checking account link, earns 1.5% on all purchases. $500 annual cap on the 3% tier, then drops to 2%. |
| Installments | Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans via mobile app or online banking | Dual-mode card: Pay Now automatically settles selected purchases the next day from a linked bank account (no interest); Pay Later converts purchases into fixed-rate closed-end installment loans. |
| 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 OneCard™ 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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