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The Bank of America Cash Back Pair, ranked

Bank of America Customized Cash Rewards, Unlimited Cash Rewards — every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Unlimited Cash Rewards 1.5% 1.5% base rate
  2. Customized Cash Rewards 1.0% 1% base rate

Groceries

  1. Customized Cash Rewards 2.0% 2%
  2. Unlimited Cash Rewards 1.5% 1.5% base rate

Wholesale clubs

  1. Customized Cash Rewards 2.0% 2%
  2. Unlimited Cash Rewards 1.5% 1.5% base rate

What the numbers are doing

Customized Cash Rewards lets you choose one category to earn 3% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.

Where they differ: Unlimited Cash Rewards takes everything else; Customized Cash Rewards takes groceries and wholesale clubs.

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