Bank of America Customized Cash Rewards Credit Card vs Hilton Honors American Express Card
Compare the Bank of America Customized Cash Rewards Credit Card ($0/yr) against the Hilton Honors American Express Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the Bank of America Customized Cash Rewards Credit Card and Hilton Honors American Express Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Bank of America Customized Cash Rewards Credit Card | Hilton Honors American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | 70,000 points after $2,000 spend in 6 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.0% | 3.0% |
| Travel Rewards | 1.0% | 7% |
| Dining Rewards | 1.0% | 5% |
| Grocery Rewards | 2% | 5% |
| Gas Rewards | 1.0% | 5% |
| Key Benefits | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. |
| Issuer | Bank of America | American Express |
Quick Summary
The Bank of America Customized Cash Rewards Credit Card has a $0 annual fee (same as Hilton Honors American Express Card).
Hilton Honors American Express Card has a higher base reward rate (3.0% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
Your Personalized Results
Want to compare more cards? Try our full calculator to see all 39+ cards ranked by your spending.