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Bank of America Customized Cash Rewards vs Capital One Venture X
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 XCapital One |
|---|---|---|
| Rating | 4.3/5 | 4.9/5 |
| Annual Fee | $0 | $395 |
| 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 |
| 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 | 10X on hotels/cars via Capital One Travel, 5X on flights via Capital One Travel, 2X on everything else |
| Credit Score | good | excellent |
| 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% | Priority Pass + Capital One Lounges access $300 annual travel credit makes effective fee $95 10,000 bonus miles every anniversary |
| 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 | $395 annual fee upfront Travel credit only through Capital One portal Lounge guest access now costs $45/adult as of Feb 2026 |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Venture X
With a 4.9/5 rating, the Capital One Venture X edges out the Bank of America Customized Cash Rewards (4.3/5). At $395/yr, the value proposition is strong. The Venture X punches way above its weight. With $300 in travel credits, lounge access, and 10K anniversary miles, the effective cost is just $95 — rivaling cards that cost twice as much.