Capital One QuicksilverOne vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One QuicksilverOne
Capital One
4.4
1.5% cash back on every purchase. No annual fee.
Full review →
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →WealthSpott Verdict
Capital One QuicksilverOne and Bank of America® Customized Cash Rewards are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Capital One QuicksilverOne
Bank of America®
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
1.5%
1%-3%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 months
0% for 15 billing cycles
Regular APR
19.99%-29.99% Variable
19.24%-29.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
580-740
670-850
Capital One QuicksilverOne
Pros
- Simple 1.5% on everything
- No foreign transaction fee
Cons
- No sign-up bonus
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
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