Chase United Explorer vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Bank of America Customized Cash wins 4-1. Choose your 3% category each month, no rotation needed. Chase United Explorer is still the right call if united loyalists, free checked bag + lounge passes..
Side-by-side
| Criterion | Chase United Explorer | Bank of America Customized Cash |
|---|---|---|
| Annual fee | · $150 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 2% (travel) | 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 miles after $3,000 spend in 3 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = None stated | = None stated |
| Min credit score | · 700 | 670 |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
Chase United Explorer
- 9x total miles on eligible United flights
- 3x miles on all other eligible United purchases
- 2x miles on dining, including eligible delivery services
- 2x miles on hotel stays booked directly with the hotel
- 1x mile on all other purchases
- Free first checked bag for the cardholder and one companion on United-operated flights
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
FAQ
›Chase United Explorer vs Bank of America Customized Cash: which is better?
Bank of America Customized Cash wins on more dimensions (4 vs 1). 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 Chase United Explorer for its best categories, Bank of America Customized Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase United Explorer: 60,000 miles after $3,000 spend in 3 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.