Bank of America Customized Cash vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US Bank Cash+ wins 2-0. 5% on 2 chosen categories + 2% on 1 chosen, fully customizable. Bank of America Customized Cash is still the right call if choose your 3% category each month, no rotation needed..
Side-by-side
| Criterion | Bank of America Customized Cash | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (shopping) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cash rewards after $1,000 spend in 90 days | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = None stated | = None stated |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
Bank of America Customized Cash
- 3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
- 2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
- 1% on everything else
- No annual fee
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Bank of America Customized Cash vs US Bank Cash+: which is better?
US Bank Cash+ wins on more dimensions (2 vs 0). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Bank of America Customized Cash for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.