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Bank of America Customized Cash Rewards vs Capital One Venture 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 Venture RewardsCapital One |
|---|---|---|
| Rating | 4.3/5 | 4.6/5 |
| Annual Fee | $0 | $95 |
| APR | 17.49% - 27.49% | 19.49% - 28.49% |
| Signup Bonus | $200 online cash rewards bonus after spending $1,000 in 90 days | 75,000 miles after spending $4,000 in 3 months, plus $250 Capital One Travel credit in first year |
| 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 | 5X on hotels and rental cars via Capital One Travel, 2X on every purchase |
| 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% | 2X miles on every purchase with no category tracking 75,000 mile bonus plus $250 travel credit for new cardholders No foreign transaction fees and transfer to 15+ partners |
| 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 | $95 annual fee with no travel credits to offset 2X base rate trails Venture X's earning structure No lounge access or premium perks |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Venture Rewards
With a 4.6/5 rating, the Capital One Venture Rewards edges out the Bank of America Customized Cash Rewards (4.3/5). At $95/yr, the value proposition is strong. The Capital One Venture is the sweet spot between simplicity and travel rewards. Flat 2X miles on everything with transfer partners and no foreign transaction fees — all for $95/year.