The Blue Cash Preferred Card from American Express edges out the Bank of America Customized Cash Rewards for most cardholders — it wins on 2 of 4 comparison categories and offers $300 signup bonus earns more (up to 6x vs 3x). The Bank of America Customized Cash Rewards is the better choice if you want no or lower annual fee.
Bank of America Customized Cash Rewards vs Blue Cash Preferred Card from American Express
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Choice Category 3x
- Grocery Stores 2x
- All Other Purchases 1x
- U.S. Supermarkets 6x
- Select U.S. Streaming Subscriptions 6x
- U.S. Gas Stations 3x
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Common Questions: Bank of America Customized Cash Rewards vs Blue Cash Preferred Card from American Express
Is the Bank of America Customized Cash Rewards or Blue Cash Preferred Card from American Express better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Bank of America Customized Cash Rewards currently offers $200 signup bonus (spend $1,000 in 3 months). Blue Cash Preferred Card from American Express offers $300 signup bonus (spend $3,000 in 6 months). Blue Cash Preferred Card from American Express has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Customized Cash Rewards and the Blue Cash Preferred Card from American Express?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Customized Cash Rewards is from Bank of America and Blue Cash Preferred Card from American Express is from American Express, so they're governed by separate bank policies.