Comparison brief
US Bank Cash+ vs. Bank of America Customized Cash
Both cards let you pick your own bonus category and charge no annual fee, but they trade rate for breadth in opposite directions. US Bank Cash+ pays 5% — the higher of the two — but only on narrow, specific categories like utilities, gyms, and department stores, capped at $2,000/quarter combined for two picks. Bank of America Customized Cash pays a lower 3%, but the categories are broad (all of travel, all of dining, all of online shopping) and it adds an automatic 2% on groceries and wholesale clubs, sharing one $2,500/quarter cap with the 3% pick.
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