Bank of America® Customized Cash Rewards Credit Card vs Discover it® Secured Cash Back

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

Bank of America

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Discover it® Secured Cash BackDiscover it® Secured Cash Back

Discover

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Cash Back
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $1,000 in 90 days
Cashback Match: Discover matches all the cash back you earn in your first year

Effective return by category

CategoryBank of America® Customized Cash Rewards Credit CardDiscover it® Secured Cash Back
Dining & Restaurants3.00%
3x · $2,500 cap
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Entertainment1.00%
1x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Internet & Cable1.00%
1x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Phone & Wireless1.00%
1x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
Utilities1.00%
1x
5.00%
5x · Rotating (Quarterly) · $1,500 cap
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
Drugstores & Pharmacies3.00%
3x · $2,500 cap
1.00%
1x
Home Improvement3.00%
3x · $2,500 cap
1.00%
1x
Groceries2.00%
2x · $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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