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Bank of America Customized Cash Rewards vs Amazon Prime Visa
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 | Amazon Prime VisaChase |
|---|---|---|
| Rating | 4.3/5 | 4.4/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.49% | 18.74% - 27.49% |
| Signup Bonus | $200 online cash rewards bonus after spending $1,000 in 90 days | $200 Amazon Gift Card upon approval |
| 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% at Amazon.com, Amazon Fresh, and Whole Foods Market, 5% on Chase Travel, 2% at restaurants, gas stations, and transit, 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% | 5% back at Amazon, Amazon Fresh, and Whole Foods with no annual fee 5% on Chase Travel purchases 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 | Requires active Amazon Prime membership ($139/year) Only 1% on most non-category purchases Rewards are most valuable within Amazon ecosystem |
| View Details → | View Details → |
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Verdict
Our Pick: Amazon Prime Visa
With a 4.4/5 rating, the Amazon Prime Visa edges out the Bank of America Customized Cash Rewards (4.3/5). No annual fee makes it easy to justify. The Amazon Prime Visa is a must-have for Prime members. 5% back at Amazon and Whole Foods with no annual card fee makes it the best way to save on purchases you're already making. Just factor in the $139/year Prime membership as the real cost.