The Bank of America Cash Back Pair, ranked
Bank of America Customized Cash Rewards, Unlimited Cash Rewards — every spend category, ranked by what each card actually returns.
Everything else
- Unlimited Cash Rewards 1.5% 1.5% base rate
- Customized Cash Rewards 1.0% 1% base rate
Groceries
- Customized Cash Rewards 2.0% 2%
- Unlimited Cash Rewards 1.5% 1.5% base rate
Wholesale clubs
- Customized Cash Rewards 2.0% 2%
- Unlimited Cash Rewards 1.5% 1.5% 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.
Where they differ: Unlimited Cash Rewards takes everything else; Customized Cash Rewards takes groceries and wholesale clubs.
| Category | Best card |
|---|---|
| Everything else | Unlimited Cash Rewards1.5% |
| Groceries | Customized Cash Rewards2.0% |
| Wholesale clubs | Customized Cash Rewards2.0% |
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
- Unlimited Cash Rewards — 1.5%
- Customized Cash Rewards — 1.0%
Groceries
- Customized Cash Rewards — 2.0%
- Unlimited Cash Rewards — 1.5%
Wholesale clubs
- Customized Cash Rewards — 2.0%
- Unlimited Cash Rewards — 1.5%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.