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 Bank of America® Customized Cash Rewards credit card (no annual fee) and the Chase Freedom Flex® Credit Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Strongest in groceries at 2%. 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 NowStrongest in dining at 3%. 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Customized Cash Rewards Credit Card | Chase Freedom Flex |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | 1% | 1% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 2% | 1% |
| Rates with conditions not counted in the rows above |
None |
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%. |
| Key Benefits | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). | 5% on rotating categories (up to $1,500/quarter), 5% on Chase Travel, 3% on dining and drugstores. |
Bank of America Customized Cash Rewards Credit Card pulls ahead for groceries spending.
Chase Freedom Flex wins on dining.
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.