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Bank of America Customized Cash Rewards vs Capital One Savor Cash Rewards
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bank of America Customized Cash RewardsBank of America | Capital One Savor Cash RewardsCapital One |
|---|---|---|
| Rating | 4.3/5 | 4.4/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.49% | 18.49% - 28.49% |
| Signup Bonus | $200 online cash rewards bonus after spending $1,000 in 90 days | $200 cash bonus after spending $500 in 3 months |
| Rewards Rate | 6% in a category of your choice first year (3% + 3% first-year bonus), 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap), 1% on everything else | 3% on dining, entertainment, grocery stores, and popular streaming, 1% on everything else |
| Credit Score | good | good |
| Pros | Choose your own 3% category from six options 2% at grocery stores and wholesale clubs Preferred Rewards members can boost cash back up to 75% | 3% back on dining, entertainment, groceries, and streaming with no annual fee 0% intro APR for 12 months on purchases and balance transfers No foreign transaction fees |
| Cons | $2,500 quarterly cap on 3% and 2% categories combined Best value requires Bank of America banking relationship Only 1% on non-category purchases | Only 1% on non-category purchases No premium travel perks 3% categories less competitive than Amex Gold's 4% |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Savor Cash Rewards
With a 4.4/5 rating, the Capital One Savor Cash Rewards edges out the Bank of America Customized Cash Rewards (4.3/5). No annual fee makes it easy to justify. The Capital One Savor (formerly SavorOne) is the best no-fee card for dining and entertainment. With 3% back on food, fun, and groceries plus no foreign transaction fees, it's a strong everyday carry.