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Bank of America Customized Cash Rewards vs Chase Freedom Unlimited
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 | Chase Freedom UnlimitedChase |
|---|---|---|
| Rating | 4.3/5 | 4.6/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.49% | 18.24% - 27.74% |
| Signup Bonus | $200 online cash rewards bonus after spending $1,000 in 90 days | $250 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 | 5% on travel via Chase, 3% on dining & drugstores, 1.5% 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% | 1.5% base rate beats most flat-rate cards 0% intro APR for 15 months on purchases and balance transfers Pairs perfectly with Chase Sapphire for point transfers |
| 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 | 3% foreign transaction fee Points worth more when paired with a Sapphire card No premium perks |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Unlimited
With a 4.6/5 rating, the Chase Freedom Unlimited edges out the Bank of America Customized Cash Rewards (4.3/5). No annual fee makes it easy to justify. The Freedom Unlimited is the best no-fee companion card. With 1.5% on everything plus 3% on dining, it earns strong rewards solo — and becomes elite when paired with a Chase Sapphire for point transfers.