Bank of America® Customized Cash Rewards Credit Card vs Bank of America® Unlimited Cash Rewards Credit Card
Effective return by category
| Category | Bank of America® Customized Cash Rewards Credit Card | Bank of America® Unlimited Cash Rewards Credit Card |
|---|---|---|
| Groceries | 2.00% 2x | 1.50% 1.5x |
| Wholesale Clubs | 2.00% 2x | 1.50% 1.5x |
| Everything else | 1.50% 1.5x | 1.50% 1.5x |
Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.
The better question: which one adds more to your wallet?
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