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Bank of America Atmos Rewards Ascent Visa Signature vs Customized Cash Rewards

Both are Bank of America cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Atmos Rewards Ascent Visa Signature 1.6% 1x base rate
  2. Customized Cash Rewards 1.0% 1% base rate

Groceries

  1. Customized Cash Rewards 2.0% 2%
  2. Atmos Rewards Ascent Visa Signature 1.6% 1x base rate

Gas

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Customized Cash Rewards 1.0% 1% base rate

Streaming

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Customized Cash Rewards 1.0% 1% base rate

Wholesale clubs

  1. Customized Cash Rewards 2.0% 2%
  2. Atmos Rewards Ascent Visa Signature 1.6% 1x base rate

Phone & internet

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Customized Cash Rewards 1.0% 1% base rate

Flights

  1. Atmos Rewards Ascent Visa Signature 4.7% 3x
  2. Customized Cash Rewards 1.0% 1% base rate

Public transit

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Customized Cash Rewards 1.0% 1% base rate

Rideshare & taxis

  1. Atmos Rewards Ascent Visa Signature 3.1% 2x
  2. Customized Cash Rewards 1.0% 1% base rate

What the numbers are doing

Customized Cash Rewards lets you choose one category to earn 3% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.

The table is earn rate only — annual fees are not netted out of it. These cards charge Atmos Rewards Ascent Visa Signature $95 and Customized Cash Rewards $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Atmos Rewards Ascent Visa Signature takes everything else, gas, streaming and phone & internet, plus 3 more; Customized Cash Rewards takes groceries and wholesale clubs.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAtmos Rewards Ascent Visa Signature1.6%
GroceriesCustomized Cash Rewards2.0%
GasAtmos Rewards Ascent Visa Signature3.1%
StreamingAtmos Rewards Ascent Visa Signature3.1%
Wholesale clubsCustomized Cash Rewards2.0%
Phone & internetAtmos Rewards Ascent Visa Signature3.1%
FlightsAtmos Rewards Ascent Visa Signature4.7%
Public transitAtmos Rewards Ascent Visa Signature3.1%
Rideshare & taxisAtmos Rewards Ascent Visa Signature3.1%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Atmos Rewards Ascent Visa Signature — 1.6%
  2. Customized Cash Rewards — 1.0%

Groceries

  1. Customized Cash Rewards — 2.0%
  2. Atmos Rewards Ascent Visa Signature — 1.6%

Gas

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Customized Cash Rewards — 1.0%

Streaming

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Customized Cash Rewards — 1.0%

Wholesale clubs

  1. Customized Cash Rewards — 2.0%
  2. Atmos Rewards Ascent Visa Signature — 1.6%

Phone & internet

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Customized Cash Rewards — 1.0%

Flights

  1. Atmos Rewards Ascent Visa Signature — 4.7%
  2. Customized Cash Rewards — 1.0%

Public transit

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Customized Cash Rewards — 1.0%

Rideshare & taxis

  1. Atmos Rewards Ascent Visa Signature — 3.1%
  2. Customized Cash Rewards — 1.0%
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