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 Select Visa®
Compare Bank of America® Customized Cash Rewards Credit Card and Upgrade Select Visa® side by side: fees, rewards, APR, and perks.
Last verified
Upgrade Select Visa®
Cash back
Upgrade Select Visa®
Upgrade - Visa - Credit card
4.2
4.2 out of 5
8.4/10
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 Select Visa® |
|---|---|---|
| Card fee | No fee | $39 USD/yr |
| Purchase APR (from) | 17.49% | 21.96% |
| 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. | No flat ongoing cash back rate. Cardholders can earn cash back on qualifying purchases at participating merchants through Upgrade Shopping (powered by Dosh). No guaranteed base reward rate. |
| Installments | Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans via mobile app or online banking | Each purchase converts to a closed-end installment loan at a fixed rate and term. Annual fee is billed in 12 equal monthly installments drawn from the credit line. |
| 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 Select 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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