Choosing between the Bank of America Customized Cash Rewards Credit Card (no annual fee) and the Discover it Cash Back (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 Now5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Customized Cash Rewards Credit Card | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Groceries Rewards | <strong>2%</strong> | 1% |
| Key Benefits | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
Bank of America Customized Cash Rewards Credit Card pulls ahead for groceries spending.
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