Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Prime Visa (no annual fee) and the Bank of America® Customized Cash Rewards credit card (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Prime Visa earns more on dining and gas, Bank of America Customized on groceries. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 2%. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in groceries at 2% (up to $10,000/yr). 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap).
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Prime Visa | Bank of America Customized Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $150 after $0 spend in 1 months | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1% | 1% |
| Dining Rewards | 2% | 1% |
| Groceries Rewards | 1% | 2% (up to $10,000/yr) |
| Gas Rewards | 2% | 1% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
None |
| Key Benefits | 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit. | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). |
Prime Visa pulls ahead for dining, gas spending.
Bank of America Customized Cash Rewards Credit Card wins on groceries.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.