Bank of America® Customized Cash Rewards Credit Card vs Chase Freedom Flex®

Bank of America® Customized Cash Rewards Credit CardBank of America® Customized Cash Rewards Credit Card

Bank of America

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Chase Freedom Flex®Chase Freedom Flex®

Chase

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Chase Ultimate Rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $1,000 in 90 days
20,000 Chase Ultimate Rewards after $500 in 90 days

Effective return by category

CategoryBank of America® Customized Cash Rewards Credit CardChase Freedom Flex®
Groceries2.00%
2x · $2,500 cap
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Card Travel Portals1.00%
1x
5.00%
5x
Charity & Donations1.00%
1x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Dining & Restaurants3.00%
3x · $2,500 cap
3.00%
3x
Drugstores & Pharmacies3.00%
3x · $2,500 cap
3.00%
3x
Gas Stations3.00%
3x · $2,500 cap
1.00%
1x
Amazon & Online Shopping3.00%
3x · $2,500 cap
1.00%
1x
Travel3.00%
3x · $2,500 cap
1.00%
1x
Home Improvement3.00%
3x · $2,500 cap
1.00%
1x
Wholesale Clubs2.00%
2x · $2,500 cap
1.00%
1x
Everything else1.00%
1x
1.00%
1x

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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