{"id":22462,"date":"2025-12-05T01:02:59","date_gmt":"2025-12-05T01:02:59","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22462"},"modified":"2025-12-05T01:03:01","modified_gmt":"2025-12-05T01:03:01","slug":"bank-of-america-unlimited-cash-vs-bank-of-america-customized-cash-rewards","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22462","title":{"rendered":"Bank Of America Unlimited Cash vs. Bank Of America Customized Cash Rewards"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_c62564a2b72ef134a1f66e8e20b1c470\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The Bank of America\u00ae Unlimited Cash Rewards credit card offers a number of unique perks to cardholders, including unlimited flat rate cash back on all purchases.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The Bank of America\u00ae Customized Cash Rewards credit card is another cash back card option, this one offering bonus cash back of up to 3 percent (ongoing) each quarter in select categories.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            While these cards have some similarities, it is important to compare rewards, bonuses, perks and more to understand which option is best suited to your spending habits and goals.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>In 2021, <u>Bank of America<\/u> introduced the Bank of America\u00ae Unlimited Cash Rewards credit card, offering an unlimited 1.5 percent cash back on all purchases. But how does this card compare to another of the bank\u2019s cash back cards: the Bank of America\u00ae Customized Cash Rewards credit card?<\/p>\n<p>The better card for you depends on your spending habits and how involved you want to be when it comes to earning rewards. Read on to learn about how the Unlimited Cash compares to the Customized Cash in terms of rewards, bonuses, perks and more.<\/p>\n<h2 id=\"details\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Main details\" data-outcome=\"\">Main details<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--text Table--stripedOdd Table--spacing1 align-middle wrapped\">\n<tbody>\n<tr>\n<td>\n<br \/><strong>Cards<\/strong><\/td>\n<td>\n<br \/>Bank of America Unlimited Cash Rewards credit card<\/td>\n<td>\n<br \/>Bank of America Customized Cash Rewards credit card<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/>Welcome bonus<\/td>\n<td>\n<br \/>$200 online cash rewards after spending $1,000 within the first 90 days of account opening<\/td>\n<td>\n<br \/>$200 online cash rewards after spending $1,000 within the first 90 days of account opening<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/>Rewards rate<\/td>\n<td>\n<ul>\n<\/p>\n<li>Unlimited 2% cash back on all purchases for the first year from account opening<\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li>Unlimited 1.5% cash back on all purchases<\/li>\n<p><\/ul>\n<\/td>\n<td>\n<ul>\n<\/p>\n<li>\n<ul>6% cash back for the first year in the category of your choice (up to $2,500 of combined 6% and 2% category purchases each quarter, then 1%) 3% cash back on purchases in one category of your choice \u2014 including gas (plus electric vehicle charging stations), online shopping (plus cable, streaming, internet and phone services), dining, travel, drugstores and pharmacies or home improvement and furnishings<\/ul>\n<\/li>\n<p><\/p>\n<li>2% cash back at grocery stores and wholesale clubs (2% and 6% categories limited to $2,500 in combined purchases each quarter, then 1% back)<\/li>\n<p><\/p>\n<li>1% cash back on all other purchases<\/li>\n<p><\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/>Intro APR<\/td>\n<td>\n<ul>\n<\/p>\n<li>\n<span data-capi-apr=\"introductory_balance_transfer\" data-pid=\"7880\">0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A fee of 3% for 60 days from account opening, then 4% will apply.<\/span> then <span data-capi-apr=\"ongoing_balance_transfer\" data-pid=\"7880\">17.74% &#8211; 27.74% Variable APR on purchases and balance transfers<\/span>\n<\/li>\n<p><\/p>\n<li>A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.<span data-capi-apr=\"ongoing_balance_transfer\" data-pid=\"7880\">17.74% &#8211; 27.74% Variable APR on purchases and balance transfers<\/span>\n<\/li>\n<p><\/ul>\n<\/td>\n<td>\n<ul>\n<li>\n<span data-capi-apr=\"introductory_purchases\" data-pid=\"22069416\">0% Intro APR for 15 billing cycles for purchases<\/span> then <span data-capi-apr=\"ongoing_purchases\" data-pid=\"22069416\">17.74% &#8211; 27.74% Variable APR on purchases and balance transfers<\/span>. <span style=\"font-family: inherit; font-size: inherit; font-weight: inherit;\">A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.<\/span>\n<\/li>\n<\/ul>\n<p><\/p>\n<ul>\n<li><span data-capi-apr=\"ongoing_balance_transfer\" data-pid=\"22069416\">17.74% &#8211; 27.74% Variable APR on purchases and balance transfers<\/span><\/li>\n<p><span style=\"font-family: inherit; font-size: inherit; font-weight: inherit;\"\/>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/>Annual fee<\/td>\n<td>\n<br \/>$0<\/td>\n<td>\n<br \/>$0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"highlights\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bank of America Unlimited Cash vs. Bank of America Customized Cash highlights\" data-outcome=\"\">Bank of America Unlimited Cash vs. Bank of America Customized Cash highlights<\/h2>\n<p>Both the <u>Bank of America Unlimited Cash Rewards<\/u> and the <u>Bank of America Customized Cash Rewards<\/u> cards offer identical welcome bonuses, intro APR offers and no annual fee. Despite so many similarities, their rewards rates set them apart from one another. Let\u2019s take a closer look at how these two <u>cash back cards<\/u> stack up.<\/p>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-why-it-won', 'heading-why-it-won']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-why-it-won')\" :aria-controls=\"$id('panel-why-it-won')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why it won<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-it-won')\" :aria-labelledby=\"$id('heading-why-it-won')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p dir=\"ltr\">Both cards offer the same $200 welcome bonus after spending $1,000 within the first 90 days after account opening. This spending requirement translates to approximately $333 in monthly spending for the first 3 months to earn the bonus. This $200 bonus is on par with welcome offers from\u00a0other cash back cards. However, Bank of America\u2019s spending threshold for earning the welcome bonus is higher than what some other card issuers require.<\/p>\n<p dir=\"ltr\">For example, the\u00a0Capital One SavorOne Cash Rewards Credit Card only requires you to spend $500 in the first three months to earn a $200 bonus. With the\u00a0Citi Custom Cash\u00ae Card, you can earn 20,000 ThankYou points \u2014 worth $200 in cash back \u2014 after spending $1,500 in the first six months,\u00a0which translates to a lower average monthly spending requirement than the bank of America cards. So, while Bank of America\u2019s Unlimited Cash and Customized Cash Rewards cards have the same welcome offer, it\u2019s slightly more difficult to attain than offers from competing cash back cards.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-why-it-won', 'heading-why-it-won']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-why-it-won')\" :aria-controls=\"$id('panel-why-it-won')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why it won<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-it-won')\" :aria-labelledby=\"$id('heading-why-it-won')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p dir=\"ltr\">The Customized Cash provides 6 percent cash back in the first year on purchases in a category of your choice. Eligible categories include:<\/p>\n<ul>\n<li dir=\"ltr\" aria-level=\"1\">Gas\/EV charging<\/li>\n<li dir=\"ltr\" aria-level=\"1\">Online shopping (including cable, internet, phone plans and streaming)<\/li>\n<li dir=\"ltr\" aria-level=\"1\">Dining<\/li>\n<li dir=\"ltr\" aria-level=\"1\">Travel<\/li>\n<li dir=\"ltr\" aria-level=\"1\">Drugstores\u00a0and pharmacies<\/li>\n<li dir=\"ltr\" aria-level=\"1\">Home improvement\u00a0and furnishings<\/li>\n<\/ul>\n<p dir=\"ltr\">You\u2019ll also get automatic 2 percent back on grocery store and wholesale club purchases, along with 1 percent cash back on all other purchases. However, the 2 percent and 6 percent categories are limited to $2,500 in combined quarterly spending. After that limit is met, those categories will earn 1 percent back.<\/p>\n<p dir=\"ltr\">As a Customized Cash cardholder, you can\u00a0change your rewards category once per month through online banking or the mobile banking app. For example, you might have your 6 percent cash back category set to home improvement while you\u2019re working on a renovation project. After that, you might want to switch the category to travel before booking a big vacation. If you don\u2019t change your rewards category, it\u2019ll stay the same as the previous month.<\/p>\n<p dir=\"ltr\">While the Unlimited Cash card offers a no-fuss, cash back rate of 2 percent in the first year, the Customized Cash offers more rewarding cash back rates than the Unlimited Cash\u00a0if you regularly spend in some or all of the bonus categories. It means you\u2019re likely to earn more with the Customized Cash \u2014 at least until you hit the quarterly spending caps.<\/p>\n<h4 dir=\"ltr\"><strong>Bank of America Preferred Rewards<\/strong><\/h4>\n<p dir=\"ltr\">Bank of America provides\u00a0Preferred Rewards members with a sweet deal that can make both cards more rewarding. Depending on your membership tier, you can earn a 25 percent, 50 percent or 75 percent more rewards on every purchase.<\/p>\n<p dir=\"ltr\">For the Unlimited Cash card, this means your 1.5 percent cash back rate could be boosted to 1.87 percent, 2.25 percent or 2.62 percent. With the Customized Cash card, your 3 percent category could earn 3.75 percent, 4.5 percent or 5.25 percent depending on your tier. The 2 percent category could earn 2.5 percent, 3 percent or 3.5 percent, whereas the 1 percent category could earn 1.25 percent, 1.5 percent or 1.75 percent.<\/p>\n<p dir=\"ltr\">However, while these cash back rates are phenomenal, the boosted rewards rates may be out of reach for most spenders. For example, to unlock the 75 percent cash back boost, you need to reach the Platinum Honors tier of membership \u2014 which requires maintaining an average daily cash balance of at least $100,000 over 3 months in eligible Bank of America or Merrill accounts.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-why-it-won', 'heading-why-it-won']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-why-it-won')\" :aria-controls=\"$id('panel-why-it-won')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why it won<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-it-won')\" :aria-labelledby=\"$id('heading-why-it-won')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>Both cards offer the same introductory APR for 15 billing cycles on purchases and balance transfers. After this introductory period ends, 17.74% \u2013 27.74% Variable APR on purchases. Note that a 3 percent introductory balance transfer fee applies to each\u00a0balance transfer made in the first 60 days (then 4% for future balance transfers).<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-why-it-won', 'heading-why-it-won']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-why-it-won')\" :aria-controls=\"$id('panel-why-it-won')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why it won<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-it-won')\" :aria-labelledby=\"$id('heading-why-it-won')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p dir=\"ltr\">Both the Customized Cash and Unlimited Cash offer the same attractive $0 annual fee. If you\u2019re a rewards maximizer, you won\u2019t have to worry about making up for the annual fee in rewards earnings.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-why-it-won', 'heading-why-it-won']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-why-it-won')\" :aria-controls=\"$id('panel-why-it-won')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why it won<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-it-won')\" :aria-labelledby=\"$id('heading-why-it-won')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p dir=\"ltr\">Both cards charge a 3 percent\u00a0foreign transaction fee, so they tie in this category. If you travel abroad often, you might be better off using a card with no foreign transaction fees, like one of these\u00a0top travel cards.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2 id=\"earn\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Which card earns the most?\" data-outcome=\"\">Which card earns the most?<\/h2>\n<p>The amount of <u>cash back<\/u> you earn from either the Customized Cash Rewards card or the Unlimited Cash Rewards card depends on how you use each card. Here are a couple of examples showing which card could potentially earn you more in cash back rewards:<\/p>\n<h3>Bank of America Unlimited Cash vs. Bank of America Customized Cash spending example<\/h3>\n<p>Let\u2019s say you eat out frequently, so you select dining as your 6 percent rewards category on your Customized Cash card. During one quarter, you spend $1,500 at restaurants and $1,000 at grocery stores, maxing out your 6 percent and 2 percent rewards categories. You\u2019ll earn $90 in cash back for your restaurant spending and $20 back for your grocery store spending, for a total of $65 in cash back.<\/p>\n<p>With the Customized Cash, say you also spend $1,500 during that quarter on miscellaneous purchases. This will earn you 1 percent cash back, or $15 in rewards. That brings your total cash back to $80 for $4,000 in spending.<\/p>\n<p>In comparison, let\u2019s assume you spend the exact same amounts using the Unlimited Cash. Since this card earns a flat rate of 1.5 percent, you\u2019d earn $60 back after spending $4,000 \u2014 making the Customized Cash the clear winner in this scenario.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--text Table--stripedOdd Table--spacing1 align-middle wrapped\">\n<thead>\n<tr>\n<th><strong>Categories<\/strong><\/th>\n<th><strong>Quarterly category spending<\/strong><\/th>\n<th><strong>Bank of America Customized Cash Rewards cash back<\/strong><\/th>\n<th><strong>Bank of America Unlimited Cash Rewards cash back<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<br \/>Dining<\/td>\n<td>\n<br \/>$1,500<\/td>\n<td>\n<br \/>$45<\/td>\n<td>\n<br \/>$22.50<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/>Grocery store purchases<\/td>\n<td>\n<br \/>$1,000<\/td>\n<td>\n<br \/>$20<\/td>\n<td>\n<br \/>$15<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/>Miscellaneous<\/td>\n<td>\n<br \/>$1,500<\/td>\n<td>\n<br \/>$15<\/td>\n<td>\n<br \/>$22.50<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/><strong>Total<\/strong><\/td>\n<td>\n<br \/><strong>$4,000<\/strong><\/td>\n<td>\n<br \/><strong>$80<\/strong><\/td>\n<td>\n<br \/><strong>$60<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Now let\u2019s assume that you charge an additional $6,000 in miscellaneous expenses over the same quarter. Our chart will now look like this:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle wrapped\">\n<thead>\n<tr>\n<th><strong>Categories<\/strong><\/th>\n<th><strong>Quarterly category spending<\/strong><\/th>\n<th><strong>Bank of America Customized Cash Rewards cash back<\/strong><\/th>\n<th><strong>Bank of America Unlimited Cash Rewards cash back<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<br \/>Dining<\/td>\n<td>\n<br \/>$1,500<\/td>\n<td>\n<br \/>$45<\/td>\n<td>\n<br \/>$22.5<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/>Grocery store purchases<\/td>\n<td>\n<br \/>$1,000<\/td>\n<td>\n<br \/>$20<\/td>\n<td>\n<br \/>$15<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/>Miscellaneous<\/td>\n<td>\n<br \/>$7,500<\/td>\n<td>\n<br \/>$75<\/td>\n<td>\n<br \/>$112.5<\/td>\n<\/tr>\n<tr>\n<td>\n<br \/><strong>Total<\/strong><\/td>\n<td>\n<br \/><strong>$10,000<\/strong><\/td>\n<td>\n<br \/><strong>$140<\/strong><\/td>\n<td>\n<br \/><strong>$150<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>In this instance, the Customized Cash would only earn 1 percent on the additional purchases. That would net you an additional $60 in cash back for a grand total of $140 in cash back for the quarter. Note that the quarterly cap applies to the <i>first<\/i> $2,500 of combined spending in the bonus categories. If you plan to spend more than $2,500 each month in the 3 percent and 2 percent categories combined, you\u2019ll earn more rewards if you spend the 6 percent category <i>first<\/i>, so that you\u2019ll earn more cash back on your purchases before you hit the bonus limit.<\/p>\n<p>On the other hand, the Unlimited Cash card would continue earning 1.5 percent on all purchases \u2014 resulting in an additional $90 in cash back and a total of $150 for the quarter. So, in the second scenario, the Unlimited Cash would earn you more. Which card is right for you could simply come down to how much you tend to spend per quarter.<\/p>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Lightbulb Icon<\/default:title><br \/>\n<default:path d=\"M10.725 18.804c.22 2.389 1.25 4.196 2.486 4.196 1.243 0 2.277-1.825 2.49-4.23a.66.66 0 0 0 .08-.318c0-.667.458-1.22 1.042-1.918l.013-.015c.787-.949 1.764-2.125 1.764-4.025C18.6 9.844 16.429 7 13.2 7c-3.23 0-5.4 2.837-5.4 5.486 0 1.918.979 3.105 1.768 4.056l.028.033c.563.683 1.007 1.221 1.022 1.885.003.13.042.247.107.344Z\" fill=\"transparent\" class=\"icon-offset\"\/><default:path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 4.386a.698.698 0 0 1-.692-.7V1.7c0-.385.311-.7.692-.7.38 0 .692.315.692.7v1.986c0 .385-.312.7-.692.7Zm-5.557 2.32h.005-.01.005Zm.489-.202a.674.674 0 0 1-.489.202.728.728 0 0 1-.488-.202l-1.384-1.4a.708.708 0 0 1 0-.988.689.689 0 0 1 .977 0l1.384 1.4a.708.708 0 0 1 0 .988Zm6.529 11.454c0 .385.311.7.692.7v.009c.38 0 .692-.315.692-.7 0-.718.501-1.313 1.141-2.065l.014-.016c.863-1.021 1.932-2.287 1.932-4.333 0-2.852-2.378-5.915-5.916-5.915-3.537 0-5.916 3.054-5.916 5.906 0 2.065 1.073 3.343 1.938 4.367l.03.036c.617.735 1.103 1.314 1.12 2.029.009.385.32.673.71.682.38-.009.674-.332.674-.717-.026-1.225-.761-2.1-1.479-2.95-.83-.98-1.609-1.907-1.609-3.455 0-2.18 1.825-4.507 4.532-4.507 2.708 0 4.533 2.337 4.533 4.515 0 1.526-.807 2.484-1.587 3.412l-.022.027-.008.01c-.724.854-1.471 1.736-1.471 2.965Zm-.008-4.051-.744.752v2.774c0 .385-.312.7-.692.7a.698.698 0 0 1-.692-.7v-2.774l-.796-.805a.708.708 0 0 1 0-.988.688.688 0 0 1 .978 0l.51.516.458-.464a.688.688 0 0 1 .978 0 .708.708 0 0 1 0 .989ZM2.192 12.322h1.955c.38 0 .692-.314.692-.7 0-.384-.312-.7-.692-.7H2.192a.698.698 0 0 0-.692.7c0 .386.311.7.692.7Zm11.84 8.252h-3.918a.698.698 0 0 1-.692-.7c0-.385.311-.7.692-.7h3.918c.38 0 .692.315.692.7 0 .385-.312.7-.692.7Zm-3 1.986h1.963c.38 0 .692-.315.692-.7 0-.385-.312-.7-.692-.7H11.03a.698.698 0 0 0-.692.7c0 .385.312.7.692.7Zm10.776-10.237h-1.955a.698.698 0 0 1-.692-.7c0-.385.312-.7.692-.7h1.955c.38 0 .692.315.692.7 0 .385-.311.7-.692.7Zm-4.259-5.617a.33.33 0 0 0 .003 0h-.008.005Zm-.49-.202c.138.13.31.2.49.202a.674.674 0 0 0 .488-.202l1.384-1.4a.708.708 0 0 0 0-.988.689.689 0 0 0-.978 0l-1.384 1.4a.708.708 0 0 0 0 .988Z\" class=\"icon-base\"\/><\/default:svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Bankrate\u2019s take:<br \/>\n        <\/strong><br \/>\n        Even better, you could combine the benefits of both cards to earn an even higher cash back amount, especially if you\u2019re a Preferred Rewards member. By using the Customized Cash for bonus category purchases and the Unlimited Cash on all other purchases, you could earn considerably more cash back each quarter than by using a single card alone.\n    <\/p>\n<\/div>\n<h2 id=\"unlimited\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Why should you get the Bank of America Unlimited Cash?\" data-outcome=\"\">Why should you get the Bank of America Unlimited Cash?<\/h2>\n<p>Unlike the Customized Cash card, the Unlimited Cash card doesn\u2019t restrict how much cash back you can earn on certain spending, so you don\u2019t have to worry about switching to a more rewarding card after hitting a certain spending threshold. Here are some other reasons to get this card:<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-additional-benefits', 'heading-additional-benefits']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-additional-benefits')\" :aria-controls=\"$id('panel-additional-benefits')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Additional benefits<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-additional-benefits')\" :aria-labelledby=\"$id('heading-additional-benefits')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>The Unlimited Cash is eligible for the Museums on Us program, which gives you free access on the first full weekend of the month to more than 225 museums and cultural institutions across the country. It also offers access to BankAmeriDeals, which features promotional cash back offers from rotating merchants.<\/p>\n<p>Other Unlimited Cash benefits include Visa Signature perks like extended warranty coverage, travel and emergency assistance services and pay-per-use roadside dispatch.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-redemption-options', 'heading-redemption-options']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-redemption-options')\" :aria-controls=\"$id('panel-redemption-options')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Redemption options<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-redemption-options')\" :aria-labelledby=\"$id('heading-redemption-options')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Bank of America provides several ways to redeem cash rewards, including a direct deposit to your Bank of America checking or savings account or a statement credit to your card. You can also use points to pay for eligible purchases when shopping at Amazon or PayPal.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-recommended-credit-score', 'heading-recommended-credit-score']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-recommended-credit-score')\" :aria-controls=\"$id('panel-recommended-credit-score')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Recommended credit score<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-recommended-credit-score')\" :aria-labelledby=\"$id('heading-recommended-credit-score')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Applicants with credit scores of at least 670 may qualify for this card.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"customized\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Why should you get the Bank of America Customized Cash?\" data-outcome=\"\">Why should you get the Bank of America Customized Cash?<\/h2>\n<p>The flexibility of this card\u2019s cash back program is <u>difficult to beat<\/u>. Many competitors\u2019 cards offer high cash back rates for one or two preselected bonus categories, which can be useless if you don\u2019t typically make those types of purchases. The Customized Cash Rewards card not only lets you choose your 3 percent category, but also lets you change it once per month. Some more reasons to choose this card include:<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-additional-benefits', 'heading-additional-benefits']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-additional-benefits')\" :aria-controls=\"$id('panel-additional-benefits')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Additional benefits<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-additional-benefits')\" :aria-labelledby=\"$id('heading-additional-benefits')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>The Customized Cash comes with the same card benefits as the Unlimited Cash. These benefits include Visa Signature perks and access to Museums on Us and BankAmeriDeals.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-redemption-options', 'heading-redemption-options']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-redemption-options')\" :aria-controls=\"$id('panel-redemption-options')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Redemption options<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-redemption-options')\" :aria-labelledby=\"$id('heading-redemption-options')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            You can redeem cash back for a statement credit, a direct deposit to a Bank of America account or a credit to an eligible Merrill account, or shop with points at Amazon and PayPal You can also redeem your points for a contribution to a qualifying 529 account or a check, but the redemption threshold for those options starts at $25.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-recommended-credit-score', 'heading-recommended-credit-score']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-recommended-credit-score')\" :aria-controls=\"$id('panel-recommended-credit-score')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Recommended credit score<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-recommended-credit-score')\" :aria-labelledby=\"$id('heading-recommended-credit-score')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Applicants who are considering the Customized Cash should have a credit score of at least 670.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>The Bank of America Unlimited Cash is as simple as it gets for a rewards card, but its flat rate doesn\u2019t allow you to earn extra rewards in bonus categories. The Bank of America Customized Cash is more rewarding, but it has limits on its bonus category rewards. The better option for you depends on your spending habits and needs. You may even want to use these cards together, especially since neither imposes an annual fee.<\/p>\n<p>In that case, <u>use the Customized Cash<\/u> for the 3 percent category that you spend the most in and at grocery stores and wholesale clubs. Then, <u>use the Unlimited Cash<\/u> for all other types of purchases and for category purchases after you reach the $2,500 quarterly limit.<\/p>\n<p><i>The Bank of America content in this post was last updated on November 3, 2025.<\/i><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"XnEbiW5ius\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up 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4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/credit-cards\/reviews\/bank-of-america-unlimited-cash-vs-customized-cash-rewards\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways The Bank of America\u00ae Unlimited Cash Rewards credit card offers a number of unique perks to cardholders, including unlimited flat rate cash back on all purchases. The Bank of America\u00ae Customized Cash Rewards credit card is another cash back card option, this one offering bonus cash back of up to 3 percent (ongoing)<\/p>\n","protected":false},"author":1,"featured_media":22463,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22462","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Of America Unlimited Cash vs. Bank Of America Customized Cash Rewards | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Key takeaways The Bank of America\u00ae Unlimited Cash Rewards credit card offers a number of unique perks to cardholders, including unlimited flat rate cash\" \/>\n<meta name=\"robots\" content=\"index, follow, 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