Loading comparison…
Last updated
Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | Bank of AmericaBofA Unlimited CashBank of America | Bank of AmericaBofA Customized CashBank of America |
|---|---|---|
| Annual fee | $0 Verified by source | $0 Inferred by source |
| Realized value* | $0 | $0 |
| Net / year | +$0 | +$0 |
| Value check | Earns its keep | Earns its keep |
| Rewards | cashback | cashback |
| Lounges | — | — |
| Points & Miles | 1.5× All purchases (1.5%; 25–75% more with Preferred Rewards) Verified by source | 3× Your choice of 3% category (gas, online shopping, dining, travel, drugstores or home improvement) Inferred by source 2× Grocery stores & wholesale clubs Inferred by source 1× Everything else Inferred by source |
| Redemption Value | 1¢ per pt Verified by source | 1¢ per pt Inferred by source |
| Hotel Perks | — | Preferred Rewards boost Inferred by source |
| Credits | — | — |
| Protections | — | — |
| Foreign Tx Fees | 3% Verified by source | 3% Inferred by source |
| Cashback | 1.5% on all purchases (up to 2.62% with Preferred Rewards) Verified by source | Redeem for statement credit, deposit to a BofA/Merrill account, or gift cards Inferred by source |
| Data last verified | Jun 6, 2026 | Jun 5, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
They net about the same by realized value minus fee, so it comes down to your spending and which perks you'll actually use.
Both have no annual fee.
Neither includes airport lounge access.