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Card Comparison

Bank of America Customized Cash Rewards vs Choice Privileges Mastercard

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Customized Cash Rewards card art
Bank of America Cash Rewards
Bank of America Customized Cash Rewards
Bank of America
More Info
Choice Privileges Mastercard card art
Choice Privileges
Choice Privileges Mastercard
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
$200 credit
Spend $1,000 in 3 months
60,000 points
Spend $4,000 in 3 months
Top Earn Rates
  • Choice Category 3x
  • Grocery Stores 2x
  • All Other Purchases 1x
  • Choice Hotels® properties19 plus on Choice Privileges point purchases 5x
  • gas stations, grocery stores, home improvement stores and phone plan services 3x
  • All Other Purchases 1x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
Cash back only
No transfer partners
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Common Questions: Bank of America Customized Cash Rewards vs Choice Privileges Mastercard

Is the Bank of America Customized Cash Rewards or Choice Privileges Mastercard 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 $20000 signup bonus (spend $1,000 in 3 months). Choice Privileges Mastercard offers 60,000 pts signup bonus (spend $4,000 in 3 months). Choice Privileges Mastercard has the larger bonus.

Which card is better for international travel?

Bank of America Customized Cash Rewards charges no foreign transaction fees — the better pick for international use. Choice Privileges Mastercard charges 3% on foreign purchases.

Can I hold both the Bank of America Customized Cash Rewards and the Choice Privileges Mastercard?

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 Choice Privileges Mastercard is from Wells Fargo, so they're governed by separate bank policies.