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 OnePay CashRewards 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 Now3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Customized Cash Rewards Credit Card | OnePay CashRewards Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | $35 after $0 spend in 1 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.0% | 1.5% |
| Groceries Rewards | 2% | 1.5% |
| Rates with conditions not counted in the rows above |
None |
5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses. |
| Key Benefits | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). | 3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. |
Bank of America Customized Cash Rewards Credit Card pulls ahead for groceries spending.
OnePay CashRewards Card wins on travel, dining, gas.
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.