Bank of America® Customized Cash Rewards Credit Card vs Wells Fargo Choice Privileges Mastercard
Bank of America® Customized Cash Rewards Credit Card earns more in 8 of the 11 categories we track. Neither has an annual fee.
The basics
| Detail | Bank of America® Customized Cash Rewards Credit Card | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | Choice Privileges Points |
| Each point is worth | 1.00¢ | 0.75¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | $200 after $1,000 in 90 days | 40,000 Choice Privileges Points after $1,000 in 3 months |
What each earns
| Category | Bank of America® Customized Cash Rewards Credit Card | Wells Fargo Choice Privileges Mastercard |
|---|---|---|
| Gas Stations | 3.0% (higher) 3x, up to $2,500 | 2.3% 3x |
| Amazon & Online Shopping | 3.0% (higher) 3x, up to $2,500 | 0.8% 1x |
| Dining & Restaurants | 3.0% (higher) 3x, up to $2,500 | 0.8% 1x |
| Travel | 3.0% (higher) 3x, up to $2,500 | 0.8% 1x |
| Drugstores & Pharmacies | 3.0% (higher) 3x, up to $2,500 | 0.8% 1x |
| Home Improvement | 3.0% (higher) 3x, up to $2,500 | 2.3% 3x |
| Groceries | 2.0% 2x, up to $2,500 | 2.3% (higher) 3x |
| EV Charging | 1.0% 1x | 2.3% (higher) 3x |
| Phone & Wireless | 1.0% 1x | 2.3% (higher) 3x |
| Wholesale Clubs | 2.0% (higher) 2x, up to $2,500 | 0.8% 1x |
| Everything else | 1.0% (higher) 1x | 0.8% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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