US Bank Cash+
US Bank
No annual feeCash Back3% foreign feeVisaUsually needs 670+
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US Bank Cash+ vs. Bank of America Customized Cash
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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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Overview
Bank of America Customized Cash
Bank of America
No annual feeCash Back3% foreign feeVisaUsually needs 670+
View issuer offerSome links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Everything else
- US Bank Cash+
- 1%
- Bank of America Customized Cash
- 1%
| Category | US Bank Cash+ | Bank of America Customized Cash |
|---|---|---|
| Everything else | 1% | 1% |
Issuer travel portals 3 categories — only earned when you book through that issuer’s portal
U.S. Bank Travel Center - Flights
- US Bank Cash+
- 5%Highest
- Bank of America Customized Cash
- —
U.S. Bank Travel Center - Hotels
- US Bank Cash+
- 5%Highest
- Bank of America Customized Cash
- —
U.S. Bank Travel Center - Rental Cars
- US Bank Cash+
- 5%Highest
- Bank of America Customized Cash
- —
| Category | US Bank Cash+ | Bank of America Customized Cash |
|---|---|---|
| U.S. Bank Travel Center - Flights | 5%Highest | — |
| U.S. Bank Travel Center - Hotels | 5%Highest | — |
| U.S. Bank Travel Center - Rental Cars | 5%Highest | — |
Highest marks the highest listed rate, on each card that ties for it; a row where every card ties is not marked. Muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
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The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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