Bank of America® Customized Cash Rewards Credit Card vs Bank of America® Premium Rewards® Elite Credit Card
Effective return by category
| Category | Bank of America® Customized Cash Rewards Credit Card | Bank of America® Premium Rewards® Elite Credit Card |
|---|---|---|
| Travel | 3.00% 3x · $2,500 cap | 2.00% 2x |
| Dining & Restaurants | 3.00% 3x · $2,500 cap | 2.00% 2x |
| Gas Stations | 3.00% 3x · $2,500 cap | 1.50% 1.5x |
| Amazon & Online Shopping | 3.00% 3x · $2,500 cap | 1.50% 1.5x |
| Drugstores & Pharmacies | 3.00% 3x · $2,500 cap | 1.50% 1.5x |
| Home Improvement | 3.00% 3x · $2,500 cap | 1.50% 1.5x |
| Groceries | 2.00% 2x · $2,500 cap | 1.50% 1.5x |
| Card Travel Portals | 1.00% 1x | 2.00% 2x |
| Airfare | 1.00% 1x | 2.00% 2x |
| Hotels & Lodging | 1.00% 1x | 2.00% 2x |
| Car Rentals | 1.00% 1x | 2.00% 2x |
| Wholesale Clubs | 2.00% 2x · $2,500 cap | 1.50% 1.5x |
| Everything else | 1.00% 1x | 1.50% 1.5x |
Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.
The better question: which one adds more to your wallet?
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