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 Bilt Blue Card (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, and Bank of America Customized earns at least as much as Bilt Blue Card in every category, more on groceries. Enter your monthly spending above to see which comes out ahead for you.
1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee).
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
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 | Bilt Blue Card | Bank of America Customized Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1% | 1% |
| Groceries Rewards | 1% | 2% (up to $10,000/yr) |
| Rates with conditions not counted in the rows above |
3% on hotels through Bilt Travel Earns 3% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 1%. 2% on flights through Bilt Travel Earns 2% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 1%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 1%. |
None |
| Key Benefits | 1x points on everyday spend, up to 1.25x points on rent and mortgage (no fee). | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). |
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.