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Bank of America Customized Cash Rewards vs Marriott Bonvoy Boundless
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 | Marriott Bonvoy BoundlessChase |
|---|---|---|
| Rating | 4.3/5 | 4.3/5 |
| Annual Fee | $0 | $95 |
| APR | 17.49% - 27.49% | 19.49% - 27.99% |
| Signup Bonus | $200 online cash rewards bonus after spending $1,000 in 90 days | 3 Free Night Awards (each up to 50,000 points) after spending $3,000 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 | 6X at Marriott hotels, 3X on dining and groceries, 2X 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 free night awards worth up to $750+ at signup Free night award each cardmember anniversary (up to 35K points) Automatic Silver Elite status with 15 qualifying night credits |
| 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 | Marriott points worth ~0.8cpp — less valuable than Hyatt 6X at Marriott is strong but 2X base is average $95 annual fee |
| View Details → | View Details → |
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Verdict
Our Pick: Bank of America Customized Cash Rewards
Both cards tie at 4.3/5, but No annual fee makes it easy to justify. The BofA Customized Cash Rewards lets you pick your top 3% category, making it the most flexible no-fee cash back card. Pair it with a Bank of America checking account and Preferred Rewards to boost earnings up to 5.25%.