Capital One Quicksilver Cash Rewards vs. Bank of America® Customized Cash Rewards

Side-by-side comparison · Updated 2026 · Independently reviewed

Capital One logo
Capital One Quicksilver Cash Rewards
Capital One
4.5

1.5% cash back on every purchase. No annual fee. No foreign transaction fee.

Full review →
Bank of America logo
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 Quicksilver Cash Rewards 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 Quicksilver
Bank of America®
Annual Fee
$0
$0
Sign-up Bonus
$200
$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
670-850
670-850
Capital One Quicksilver Cash Rewards
Pros
  • 1.5% cash back on every purchase
  • No annual fee and no foreign transaction fee
  • 0% intro APR for 15 months
Cons
  • No bonus categories for heavy spenders
  • 1.5% rate trails the best flat-rate cards at 2%
Full review
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
Full review

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