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 Target™ Mastercard® (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 2%. 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Customized Cash Rewards Credit Card | Target Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | None |
| Foreign Transaction Fee | 3% | 3% |
| Base Reward Rate | 1.0% | 1.0% |
| Dining Rewards | 1% | 2% |
| Groceries Rewards | 2% | 1% |
| Gas Rewards | 1% | 2% |
| Key Benefits | 3% in your choice category, 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap). | 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere. |
Bank of America Customized Cash Rewards Credit Card pulls ahead for groceries spending.
Target Mastercard wins on 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.