Discover it® Cash Back vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
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
Discover it® Cash Back wins on more measurable categories — particularly annual cost. Bank of America® Customized Cash Rewards may still win for your wallet depending on how you spend.
Feature
Discover it® Cash
Bank of America®
Annual Fee
$0
$0
Sign-up Bonus
Cashback Match
$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
18.24%-28.24% Variable Best
19.24%-29.24% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
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
Not sure which card is right for you?
Browse all credit cards