Bank of America Customized Cash Rewards vs Travel Rewards
Both are Bank of America cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Travel Rewards 1.5% 1.5x base rate
- Customized Cash Rewards 1.0% 1% base rate
Groceries
- Customized Cash Rewards 2.0% 2%
- Travel Rewards 1.5% 1.5x base rate
Wholesale clubs
- Customized Cash Rewards 2.0% 2%
- Travel Rewards 1.5% 1.5x 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: Travel Rewards takes everything else; Customized Cash Rewards takes groceries and wholesale clubs.
| Category | Best card |
|---|---|
| Everything else | Travel 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
- Travel Rewards — 1.5%
- Customized Cash Rewards — 1.0%
Groceries
- Customized Cash Rewards — 2.0%
- Travel Rewards — 1.5%
Wholesale clubs
- Customized Cash Rewards — 2.0%
- Travel 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. See the free combos.
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.