The Bank of America Customized Cash Rewards and Discover it Cash Back are closely matched. Bank of America Customized Cash Rewards wins on 1 categories ($200 signup bonus); Discover it Cash Back wins on 1 ($2 signup bonus). The better pick depends on your spending patterns.
Bank of America Customized Cash Rewards vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Bank of America Customized Cash Rewards and Discover it Cash Back are close enough that the better pick depends on where you spend most, how much value you get from perks, and whether you prefer one rewards ecosystem over the other.
Best if your main priority is the larger current welcome offer.
Best if you care most about stronger category earning on everyday spend.
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
- Rotating Quarterly Categories 5x
- All Other Purchases 1x
Quick summary
A short version of the comparison with the main differences at a glance.
The Bank of America Customized Cash Rewards and Discover it Cash Back are closely matched. Bank of America Customized Cash Rewards wins on 1 categories ($200 signup bonus); Discover it Cash Back wins on 1 ($2 signup bonus). The better pick depends on your spending patterns. On raw upside, Bank of America Customized Cash Rewards tops out at 3x versus 5x for Discover it Cash Back. Current signup bonus values are roughly $200 for Bank of America Customized Cash Rewards and $2 for Discover it Cash Back. Summary generated June 23, 2026. Source: https://cardcurator.ai/compare/bank-of-america-customized-cash-rewards-vs-discover-it-cash-back
- Bank of America Customized Cash Rewards wins 1 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bank of America Customized Cash Rewards reaches 3x; Discover it Cash Back reaches 5x.
- Annual fee: Bank of America Customized Cash Rewards is no annual fee; Discover it Cash Back is no annual fee.
- Current public bonus values are approximately $200 and $2.
Common Questions: Bank of America Customized Cash Rewards vs Discover it Cash Back
Is the Bank of America Customized Cash Rewards or Discover it Cash Back 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). Discover it Cash Back offers $2 signup bonus. Bank of America Customized Cash Rewards 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 Discover it Cash Back?
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 Discover it Cash Back is from Discover, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.