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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | BofA Travel RewardsBank of America | BofA Customized CashBank of America |
|---|---|---|
| Costs & value | ||
| Annual fee | $0 Verified by source | $0 Inferred by source |
| Realized value* | $0 | $0 |
| Net / year | +$0 | +$0 |
| Value check | Earns its keep | Earns its keep |
| Rewards | points | cashback |
| Cash advance (ATM) | Either $10 or 5% of each cash advance, whichever is greater Inferred by source | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
| Points & MilesFull breakdown → | ||
| Earn rates | 1.5× Unlimited on all purchases Verified by source | 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 |
| Redemption ValueFull breakdown → | ||
| Portal value | 1¢ per pt Verified by source | 1¢ per pt Inferred by source |
| Hotel PerksFull breakdown → | ||
| Preferred Rewards boost | — | Included Inferred by source |
| Foreign Tx FeesFull breakdown → | ||
| Fee | None Verified by source | 3% Inferred by source |
| CashbackFull breakdown → | ||
| Rate | — | Redeem for statement credit, deposit to a BofA/Merrill account, or gift cards Inferred by source |
| Apply & freshness | ||
| Data last verified | Jun 2, 2026 | Jun 5, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
They net about the same by realized value minus fee, so it comes down to your spending and which perks you'll actually use.
Both have no annual fee.
Neither includes airport lounge access.