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Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | Bank of AmericaBofA Customized CashBank of America | Bank of AmericaAtmos Ascent VisaBank of America |
|---|---|---|
| Annual fee | $0 Inferred by source | $95 Verified by source |
| Realized value* | $0 | $0 |
| Net / year | +$0 | −$95 |
| Value check | Earns its keep | Earns its keep |
| Rewards | cashback | miles |
| Lounges | — | — |
| Points & Miles | 3× Your choice of 3% category (gas, online shopping, dining, travel, drugstores or home improvement) Inferred by source 2× Grocery stores & wholesale clubs Inferred by source 1× Everything else Inferred by source | 3× Alaska Airlines & Hawaiian Airlines purchases Verified by source 2× Gas, EV charging, cable, streaming & local transit Verified by source 1× Everything else Verified by source |
| Redemption Value | 1¢ per pt Inferred by source | 1.4¢ per pt Estimated by source |
| Hotel Perks | Preferred Rewards boost Inferred by source | — |
| Credits | — | — |
| Protections | — | — |
| Foreign Tx Fees | 3% Inferred by source | None Verified by source |
| Cashback | Redeem for statement credit, deposit to a BofA/Merrill account, or gift cards Inferred by source | — |
| Data last verified | Jun 5, 2026 | Jun 18, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Bank of America® Customized Cash Rewards Credit Card comes out ahead: by realized value minus the annual fee, the Bank of America® Customized Cash Rewards Credit Card nets +$0/yr and the Atmos™ Rewards Ascent Visa Signature® Card nets −$95/yr. Which is actually better depends on your spending and which perks you'll use.
The Bank of America® Customized Cash Rewards Credit Card has the lower annual fee ($0 vs $95).
Neither includes airport lounge access.